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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY Service code 19 9 RIVER PARK PLACE EAST · FRESNO, CA 93720 | Securities Custodian | $53,277 |
KAUFMANN & GOBLE1+ years Filed as: KAUFMANN AND GOBLE ASSOCIATES Service code 15 160 WEST SANTA CLARA STREET · SAN JOSE, CA 95113 | Recordkeeping | $18,000 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,832 | $39,245-3.6% | $64,105-41.0% | $52,331-27.7% |
| Participation rate | 30.3% | 58.2%-27.9pp | 68.2%-37.9pp | 68.1%-37.8pp |
| Annual return | -4.90% | 14.79%-19.7pp | 791.24%-796.1pp | 4.54%-9.4pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,185 | $1,992-40.5% | $2,822-58.0% | $3,022-60.8% |
| Admin fee / account holder | $589 | $592-0.6% | $4,499-86.9% | $592-0.4% |