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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY GLOBAL BANKING OPER Service code 26 · EIN 26-4310632 | Advisory (Participants) | $5,327 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,545 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $18,682 | $75,419-75.2% | $392,568-95.2% | $67,582-72.4% |
| Participation rate | 62.8% | 74.8%-12.0pp | 78.1%-15.2pp | 71.3%-8.4pp |
| Annual return | 29.45% | 36.70%-7.3pp | 24.42%+5.0pp | 378.57%-349.1pp |
| Employer contribution / active EE | $2,782 | $2,636+5.6% | $3,783-26.5% | $2,148+29.5% |
| Participant deferral / active EE | $1,658 | $4,347-61.9% | $5,985-72.3% | $3,539-53.2% |
| Admin fee / account holder | $30 | $114-73.6% | $6,260-99.5% | $142-78.9% |