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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY DOMESTIC Service code 26 · EIN 20-8764829 1300 THAMES ST STE 400 · BALTIMORE, MD 21231 | Advisory (Participants) | $67,483 |
Filed as: JOHN HANCOCK LIFE INS CO. USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,780 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,453 | $92,186+43.7% | $105,624+25.4% | $77,762+70.3% |
| Participation rate | 98.6% | 81.0%+17.5pp | 75.3%+23.3pp | 70.6%+28.0pp |
| Annual return | 16.04% | 17.83%-1.8pp | 116.20%-100.2pp | 31.27%-15.2pp |
| Employer contribution / active EE | $6,089 | $3,376+80.4% | $3,168+92.2% | $2,728+123.2% |
| Participant deferral / active EE | $10,342 | $5,395+91.7% | $5,013+106.3% | $4,651+122.4% |
| Admin fee / account holder | $302 | $219+37.9% | $10,961-97.2% | $433-30.2% |