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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3+ years Service code 27 · EIN 04-2647786 | Advisory (Plan) | $13,913 |
ALMICH & ASSOCIATES2 years Service code 10 · EIN 33-0526284 | Accounting | $6,500 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,768 |
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.)
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 | $80,916 | $67,606+19.7% | $82,313-1.7% | $70,124+15.4% |
| Participation rate | 35.1% | 72.8%-37.6pp | 76.9%-41.8pp | 69.5%-34.4pp |
| Annual return | 13.93% | 21.57%-7.6pp | 25.88%-11.9pp | 73.14%-59.2pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,321 | $2,987-22.3% | $3,706-37.4% | $3,332-30.3% |
| Admin fee / account holder | $440 | $4,512-90.3% | $5,608-92.2% | $4,645-90.5% |