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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $56,341 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $7,933 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,838 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $82,349 | $88,117-6.5% | $164,928-50.1% | $74,400+10.7% |
| Participation rate | 88.4% | 73.1%+15.3pp | 78.6%+9.8pp | 67.2%+21.2pp |
| Annual return | 23.89% | 17.27%+6.6pp | 70.08%-46.2pp | 1367.51%-1343.6pp |
| Employer contribution / active EE | $1,640 | $2,596-36.9% | $4,343-62.3% | $2,624-37.5% |
| Participant deferral / active EE | $9,997 | $4,501+122.1% | $6,034+65.7% | $4,348+129.9% |
| Admin fee / account holder | $390 | $2,230-82.5% | $12,684-96.9% | $1,944-79.9% |