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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Service code 27 · EIN 41-1416330 | Advisory (Plan) | $16,569 |
ALMICH & ASSOCIATES1 year Service code 10 · EIN 33-0526284 | Accounting | $5,700 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $3,676 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $67,186 | $60,349+11.3% | $74,184-9.4% | $62,881+6.8% |
| Participation rate | 42.3% | 72.7%-30.4pp | 76.6%-34.3pp | 69.3%-27.0pp |
| Annual return | 2.93% | 21.38%-18.4pp | 17.74%-14.8pp | 20.14%-17.2pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,020 | $2,856+5.7% | $3,550-14.9% | $3,203-5.7% |
| Admin fee / account holder | $406 | $4,261-90.5% | $5,586-92.7% | $4,296-90.5% |