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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9+ years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 19 601 UNION ST, STE 2900 · SEATTLE, WA 98101 | Securities Custodian | $24,737 |
HALBERT HARGROVE GLOBAL ADVISORS9+ years Filed as: HALBERT HARGROVE GLOBAL ADVISORS LL Service code 19 · EIN 33-0804608 | Securities Custodian | $20,988 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 26 · EIN 42-1558009 | Advisory (Participants) | $16,093 |
NORTHWEST PLAN SERVICES, INC.9+ years Service code 15 · EIN 91-2090931 | Recordkeeping | $11,843 |
MARIN FINANCIAL ADVISORS5 years Filed as: MARIN FINANCIAL ADVISORS LLC Service code 19 · EIN 38-3718954 | Securities Custodian | $10,881 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $388,508 | $91,439+324.9% | $135,974+185.7% | $71,511+443.3% |
| Participation rate | 99.3% | 75.7%+23.6pp | 81.9%+17.3pp | 67.9%+31.3pp |
| Annual return | 18.60% | 29.90%-11.3pp | 68.30%-49.7pp | 28.86%-10.3pp |
| Employer contribution / active EE | $22,072 | $3,705+495.8% | $4,859+354.3% | $2,589+752.5% |
| Participant deferral / active EE | $11,908 | $7,093+67.9% | $7,760+53.5% | $4,291+177.5% |
| Admin fee / account holder | $468 | $1,267-63.1% | $10,767-95.7% | $1,588-70.6% |