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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $33,720 |
Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $16,018 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,479 | $73,102-43.3% | $123,553-66.4% | $56,289-26.3% |
| Participation rate | 58.1% | 74.3%-16.2pp | 82.3%-24.2pp | 69.9%-11.8pp |
| Annual return | -8.01% | 3.01%-11.0pp | 119.21%-127.2pp | -9.96%+1.9pp |
| Employer contribution / active EE | -$347 | $2,977-111.6% | $4,628-107.5% | $2,111-116.4% |
| Participant deferral / active EE | $2,941 | $5,423-45.8% | $6,426-54.2% | $3,350-12.2% |
| Admin fee / account holder | $341 | $554-38.5% | $9,284-96.3% | $521-34.6% |