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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY DOMESTIC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $38,818 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,928 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 OF AMERICA · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,263 | $59,456+48.5% | $93,669-5.8% | $74,429+18.6% |
| Participation rate | 61.7% | 59.6%+2.0pp | 68.7%-7.1pp | 67.2%-5.6pp |
| Annual return | 10.58% | 82.00%-71.4pp | 133.59%-123.0pp | 1368.38%-1357.8pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,424-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,858 | $3,052-39.1% | $4,416-57.9% | $4,348-57.3% |
| Admin fee / account holder | $430 | $3,026-85.8% | $8,291-94.8% | $1,944-77.9% |