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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SMITH BARNEY Service code 28 555 CALIFORNIA ST 35TH FLOOR · SAN FRANCISCO, CA 94104 | Investment Management | $48,149 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,051 | $67,602+52.4% | $82,312+25.2% | $70,126+47.0% |
| Participation rate | 41.4% | 72.8%-31.4pp | 76.9%-35.5pp | 69.5%-28.2pp |
| Annual return | 12.37% | 21.57%-9.2pp | 25.88%-13.5pp | 73.15%-60.8pp |
| Employer contribution / active EE | $1,199 | $1,755-31.7% | $2,428-50.6% | $2,343-48.8% |
| Participant deferral / active EE | $2,942 | $2,987-1.5% | $3,706-20.6% | $3,332-11.7% |
| Admin fee / account holder | $926 | $4,512-79.5% | $5,608-83.5% | $4,645-80.1% |