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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $31,968 |
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $29,360 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,197 | $45,109+37.9% | $85,187-27.0% | $77,736-20.0% |
| Participation rate | 27.1% | 48.7%-21.5pp | 67.5%-40.4pp | 70.6%-43.4pp |
| Annual return | 14.85% | 79.55%-64.7pp | 66.67%-51.8pp | 31.26%-16.4pp |
| Employer contribution / active EE | $655 | $1,602-59.1% | $2,732-76.0% | $2,728-76.0% |
| Participant deferral / active EE | $2,164 | $2,814-23.1% | $4,525-52.2% | $4,651-53.5% |
| Admin fee / account holder | $313 | $915-65.8% | $6,162-94.9% | $433-27.8% |