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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $43,106 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $2,995 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $133,139 | $96,731+37.6% | $123,973+7.4% | $86,983+53.1% |
| Participation rate | 91.9% | 70.0%+21.8pp | 76.7%+15.2pp | 69.5%+22.3pp |
| Annual return | 16.61% | 17.33%-0.7pp | 388.13%-371.5pp | 25.83%-9.2pp |
| Employer contribution / active EE | $4,023 | $3,297+22.0% | $4,126-2.5% | $2,584+55.7% |
| Participant deferral / active EE | $9,048 | $4,152+117.9% | $5,247+72.5% | $4,194+115.8% |
| Admin fee / account holder | $372 | $8,722-95.7% | $11,799-96.8% | $7,856-95.3% |