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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $24,360 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $22,048 |
K A L L ACCOUNTANCY4 years Filed as: K A L L ACCOUNTANCY CORP Service code 10 · EIN 83-2920367 | Accounting | $7,575 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported that benefits due were not provided when due.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,047 | $65,453+11.6% | $86,698-15.7% | $66,938+9.1% |
| Participation rate | 93.0% | 75.5%+17.5pp | 76.6%+16.4pp | 69.8%+23.2pp |
| Annual return | -14.76% | -10.89%-3.9pp | 35.95%-50.7pp | 1.58%-16.3pp |
| Employer contribution / active EE | $1,506 | $2,154-30.1% | $2,837-46.9% | $2,545-40.8% |
| Participant deferral / active EE | $5,521 | $4,102+34.6% | $4,656+18.6% | $4,238+30.3% |
| Admin fee / account holder | $403 | $642-37.2% | $7,493-94.6% | $594-32.1% |