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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING Service code 26 · EIN 36-3145972 | Advisory (Participants) | $61,106 |
LINCOLN NATIONAL CORPORATION6+ years Filed as: LINCOLN NATIONAL CORP Service code 13 · EIN 35-1140070 | Contract Administrator | $12,611 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $282,917 | $98,760+186.5% | $149,715+89.0% | $79,858+254.3% |
| Participation rate | 91.4% | 75.8%+15.6pp | 82.5%+8.9pp | 69.6%+21.8pp |
| Annual return | 12.31% | 27.43%-15.1pp | 276.66%-264.4pp | 31.72%-19.4pp |
| Employer contribution / active EE | $5,951 | $3,217+85.0% | $4,645+28.1% | $2,471+140.9% |
| Participant deferral / active EE | $7,954 | $5,681+40.0% | $6,842+16.2% | $3,740+112.7% |
| Admin fee / account holder | $485 | $6,053-92.0% | $9,310-94.8% | $5,306-90.9% |