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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $10,567 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | -$7,203 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $30,318 | $89,588-66.2% | $133,698-77.3% | $77,762-61.0% |
| Participation rate | 54.3% | 74.3%-20.0pp | 76.4%-22.1pp | 70.6%-16.3pp |
| Annual return | 13.97% | 17.42%-3.4pp | 580.90%-566.9pp | 31.27%-17.3pp |
| Employer contribution / active EE | $1,718 | $3,491-50.8% | $4,218-59.3% | $2,728-37.0% |
| Participant deferral / active EE | $1,846 | $5,592-67.0% | $7,016-73.7% | $4,651-60.3% |
| Admin fee / account holder | $20 | $539-96.3% | $6,703-99.7% | $433-95.4% |