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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $37,156 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $16,812 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $50,119 | $89,652-44.1% | $141,191-64.5% | $65,185-23.1% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.5%-15.8pp | 70.2%-3.5pp |
| Annual return | 19.45% | 32.79%-13.3pp | 71.41%-52.0pp | 29.38%-9.9pp |
| Employer contribution / active EE | $847 | $3,065-72.4% | $4,736-82.1% | $2,177-61.1% |
| Participant deferral / active EE | $2,933 | $5,691-48.5% | $6,710-56.3% | $3,514-16.5% |
| Admin fee / account holder | $354 | $569-37.8% | $10,264-96.6% | $847-58.2% |