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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113 | Insurance Commissions | $19,961 |
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $2,245 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,178 | $41,317-14.9% | $85,969-59.1% | $55,191-36.3% |
| Participation rate | 40.7% | 54.5%-13.8pp | 76.5%-35.8pp | 69.2%-28.5pp |
| Annual return | -2.85% | 3.93%-6.8pp | 9.32%-12.2pp | 10.78%-13.6pp |
| Employer contribution / active EE | $449 | $1,198-62.5% | $3,474-87.1% | $1,899-76.4% |
| Participant deferral / active EE | $1,128 | $1,914-41.1% | $3,829-70.5% | $3,046-63.0% |
| Admin fee / account holder | $10 | $97-90.2% | $6,053-99.8% | $91-89.5% |