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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Filed as: MORGAN STANLEY Service code 19 1 NEW YORK PLAZA, 12TH FLOOR · NEW YORK, NY 10004 | Securities Custodian | $25,303 |
NATIONWIDE1 year Filed as: NATION WIDE Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,681 | $42,548-32.6% | $74,551-61.5% | $56,289-49.0% |
| Participation rate | 56.6% | 60.5%-3.9pp | 69.1%-12.6pp | 69.9%-13.3pp |
| Annual return | -5.24% | 12.40%-17.6pp | 32.53%-37.8pp | -9.96%+4.7pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,760 | $2,277-22.7% | $3,108-43.4% | $3,350-47.5% |
| Admin fee / account holder | $360 | $467-22.9% | $5,059-92.9% | $521-30.9% |