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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY10+ years Service code 55 · EIN 26-4310844 1 NEW YORK PLZ FL 12 · NEW YORK, NY 100041901 | Other Commissions | $21,699 |
PENSION SERVICES, INC.10+ years Filed as: PENSION SERVICES CORPORATION Service code 13 | Contract Administrator | $3,256 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $45,370 | $50,919-10.9% | $155,556-70.8% | $77,762-41.7% |
| Participation rate | 17.5% | 63.1%-45.6pp | 78.2%-60.7pp | 70.6%-53.1pp |
| Annual return | 11.60% | 34.84%-23.2pp | 64.84%-53.2pp | 31.27%-19.7pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $701 | $2,824-75.2% | $5,631-87.5% | $4,651-84.9% |
| Admin fee / account holder | $121 | $437-72.3% | $15,885-99.2% | $433-72.0% |