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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9 years Filed as: GRAYSTONE CONSULTING Service code 16 · EIN 36-3145972 | Consulting | $81,055 |
LINCOLN NATIONAL CORPORATION7 years Service code 13 · EIN 35-1140070 | Contract Administrator | $54,189 |
Service code 26 · EIN 81-1580168 | Advisory (Participants) | $6,078 |
Service code 26 · EIN 93-0646988 | Advisory (Participants) | $513 |
CHARLES SCHWAB & CO., INC.10+ years Service code 22 · EIN 94-1737782 | Insurance Broker | $161 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $663,531 | $101,653+552.7% | $147,080+351.1% | $74,459+791.1% |
| Participation rate | 81.1% | 75.6%+5.6pp | 82.2%-1.1pp | 67.2%+13.9pp |
| Annual return | 14.50% | 8754.98%-8740.5pp | 420.17%-405.7pp | 1369.70%-1355.2pp |
| Employer contribution / active EE | $15,975 | $3,813+318.9% | $4,933+223.8% | $2,626+508.4% |
| Participant deferral / active EE | $12,453 | $7,304+70.5% | $8,066+54.4% | $4,350+186.3% |
| Admin fee / account holder | $596 | $1,752-66.0% | $12,989-95.4% | $1,945-69.4% |