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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) | $59,878 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $43,212 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $158,993 | $88,137+80.4% | $164,975-3.6% | $74,429+113.6% |
| Participation rate | 62.6% | 73.1%-10.5pp | 78.6%-16.0pp | 67.2%-4.6pp |
| Annual return | 18.34% | 17.13%+1.2pp | 70.12%-51.8pp | 1368.38%-1350.0pp |
| Employer contribution / active EE | $0 | $2,597-100.0% | $4,343-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $6,571 | $4,501+46.0% | $6,033+8.9% | $4,348+51.1% |
| Admin fee / account holder | $489 | $2,231-78.1% | $12,688-96.1% | $1,944-74.9% |