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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $59,223 |
Service code 37 · EIN 04-2647786 | Loan Processing | $27,265 |
EISNERAMPER LLP7 years Service code 10 · EIN 87-1363769 | Accounting | $19,845 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $259,864 | $122,063+112.9% | $184,256+41.0% | $74,478+248.9% |
| Participation rate | 91.8% | 85.5%+6.4pp | 86.8%+5.0pp | 67.2%+24.6pp |
| Annual return | 13.59% | 19.92%-6.3pp | 28.85%-15.3pp | 1370.56%-1357.0pp |
| Employer contribution / active EE | $13,016 | $4,539+186.8% | $6,427+102.5% | $2,626+395.6% |
| Participant deferral / active EE | $19,018 | $7,144+166.2% | $9,133+108.2% | $4,350+337.2% |
| Admin fee / account holder | $417 | $1,253-66.7% | $13,899-97.0% | $1,946-78.6% |