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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $39,161 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $27,882 |
PENSION ASSURANCE LLP9 years Service code 10 · EIN 30-0840934 | Accounting | $9,500 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $99,483 | $81,777+21.7% | $148,496-33.0% | $69,733+42.7% |
| Participation rate | 93.6% | 70.9%+22.7pp | 76.0%+17.5pp | 62.5%+31.1pp |
| Annual return | 12.76% | 14.38%-1.6pp | 12.33%+0.4pp | 15.22%-2.5pp |
| Employer contribution / active EE | $706 | $2,488-71.6% | $3,497-79.8% | $2,250-68.6% |
| Participant deferral / active EE | $7,060 | $3,367+109.7% | $4,808+46.8% | $3,054+131.1% |
| Admin fee / account holder | $428 | $2,991-85.7% | $19,547-97.8% | $3,102-86.2% |