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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $31,705 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,314 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $6,866 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $131,297 | $72,620+80.8% | $90,756+44.7% | $66,930+96.2% |
| Participation rate | 38.2% | 73.7%-35.5pp | 75.7%-37.5pp | 69.8%-31.6pp |
| Annual return | -15.26% | -12.28%-3.0pp | -12.16%-3.1pp | 1.57%-16.8pp |
| Employer contribution / active EE | $1,765 | $2,369-25.5% | $2,922-39.6% | $2,545-30.7% |
| Participant deferral / active EE | $3,201 | $3,979-19.5% | $4,565-29.9% | $4,238-24.5% |
| Admin fee / account holder | $798 | $707+12.8% | $8,445-90.5% | $593+34.5% |