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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 2725 SAND HILL ROAD, SUITE 130 · MENLO PARK, CA 94025 | Advisory (Plan) | $170,377 |
Filed as: BIDWELL CONSULTING SERVICES INC Service code 99 · EIN 20-3039384 3251 ESPLANADE · CHICO, CA 95973 | Other Fees | $61,168 |
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 | $94,848 | $92,186+2.9% | $105,624-10.2% | $77,762+22.0% |
| Participation rate | 99.0% | 81.0%+18.0pp | 75.3%+23.7pp | 70.6%+28.4pp |
| Annual return | 11.80% | 17.83%-6.0pp | 116.20%-104.4pp | 31.27%-19.5pp |
| Employer contribution / active EE | $2,433 | $3,376-27.9% | $3,168-23.2% | $2,728-10.8% |
| Participant deferral / active EE | $4,592 | $5,395-14.9% | $5,013-8.4% | $4,651-1.3% |
| Admin fee / account holder | $385 | $219+75.6% | $10,961-96.5% | $433-11.1% |