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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7+ years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 19 601 UNION ST, STE 2900 · SEATTLE, WA 98101 | Securities Custodian | $26,658 |
HALBERT HARGROVE GLOBAL ADVISORS7+ years Filed as: HALBERT HARGROVE GLOBAL ADVISORS LL Service code 19 · EIN 33-0804608 | Securities Custodian | $22,007 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 26 · EIN 42-1558009 | Advisory (Participants) | $16,990 |
NORTHWEST PLAN SERVICES, INC.7+ years Service code 15 · EIN 91-2090931 | Recordkeeping | $12,740 |
MARIN FINANCIAL ADVISORS3 years Filed as: MARIN FINANCIAL ADVISORS LLC Service code 19 · EIN 38-3718954 | Securities Custodian | $10,841 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $375,741 | $104,479+259.6% | $159,474+135.6% | $79,391+373.3% |
| Participation rate | 98.6% | 76.6%+22.0pp | 82.8%+15.8pp | 70.7%+27.9pp |
| Annual return | 15.77% | 67.98%-52.2pp | 263.68%-247.9pp | 116.88%-101.1pp |
| Employer contribution / active EE | $14,184 | $3,417+315.1% | $4,831+193.6% | $2,428+484.2% |
| Participant deferral / active EE | $9,358 | $6,468+44.7% | $7,353+27.3% | $4,046+131.3% |
| Admin fee / account holder | $447 | $711-37.2% | $10,802-95.9% | $627-28.7% |