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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 39-1947134 1 NEW YORK PLS FL 12 · NEW YORK, NY 10004 | Advisory (Participants) | $0 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 12 · EIN 71-0294708 | Recordkeeping fees; Other fees; Claim... | $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 | $109,805 | $51,620+112.7% | $90,324+21.6% | $65,186+68.4% |
| Participation rate | 38.0% | 68.6%-30.6pp | 73.3%-35.3pp | 70.2%-32.2pp |
| Annual return | 18.07% | 24.94%-6.9pp | 78.15%-60.1pp | 29.39%-11.3pp |
| Employer contribution / active EE | $0 | $2,235-100.0% | $2,856-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,956 | $2,871+3.0% | $3,885-23.9% | $3,514-15.9% |
| Admin fee / account holder | $479 | $384+24.6% | $5,356-91.1% | $847-43.5% |