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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $41,506 |
MORGAN STANLEY SMITH BARNEY7+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 99 · EIN 20-8764829 | Other Fees | $6,952 |
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $3,334 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,462 | $70,435-49.7% | $96,575-63.3% | $85,856-58.7% |
| Participation rate | 86.5% | 61.8%+24.7pp | 69.8%+16.7pp | 69.3%+17.2pp |
| Annual return | 10.03% | 18.59%-8.6pp | 37.79%-27.8pp | 318.58%-308.6pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,821 | $2,894+66.6% | $3,849+25.3% | $3,952+22.0% |
| Admin fee / account holder | $342 | $4,997-93.2% | $6,182-94.5% | $6,261-94.5% |