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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE4+ years Service code 50 · EIN 31-4156830 | Direct Payment | $27,061 |
MORGAN STANLEY SMITH BARNEY4+ years Service code 53 1300 THAMES ST · BALTIMORE, MD 21231 | Insurance Commissions | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $46,316 | $55,449-16.5% | $83,850-44.8% | $56,287-17.7% |
| Participation rate | 25.9% | 68.0%-42.1pp | 76.1%-50.2pp | 69.9%-43.9pp |
| Annual return | -4.85% | -1.38%-3.5pp | 850.92%-855.8pp | -9.96%+5.1pp |
| Employer contribution / active EE | $0 | $2,430-100.0% | $3,631-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,435 | $2,935-17.0% | $4,082-40.3% | $3,350-27.3% |
| Admin fee / account holder | $402 | $656-38.7% | $5,478-92.7% | $521-22.7% |