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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $387,145 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL Service code 27 · EIN 20-8764829 | Advisory (Plan) | $156,002 |
401K SAFE2 years Filed as: 401K SAFE 3(16) LLC Service code 13 · EIN 83-0824803 | Contract Administrator | $54,664 |
LBMC, PC5 years Service code 11 · EIN 62-1199757 | Actuarial | $16,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $59,549 | $122,219-51.3% | $147,096-59.5% | $199,921-70.2% |
| Participation rate | 27.6% | 78.3%-50.7pp | 82.2%-54.6pp | 72.0%-44.4pp |
| Annual return | 19.62% | 30.59%-11.0pp | 419.75%-400.1pp | 34.28%-14.7pp |
| Employer contribution / active EE | $0 | $4,096-100.0% | $4,936-100.0% | $3,035-100.0% |
| Participant deferral / active EE | $3,481 | $8,503-59.1% | $8,071-56.9% | $5,089-31.6% |
| Admin fee / account holder | $381 | $179+112.5% | $13,005-97.1% | $269+41.4% |