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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $1,145 |
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381 | Other Services | $0 |
RELIANCE TRUST COMPANY2+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $8,217 | $46,732-82.4% | $156,551-94.8% | $55,167-85.1% |
| Participation rate | 75.7% | 65.8%+9.9pp | 84.0%-8.3pp | 69.0%+6.7pp |
| Annual return | 8.60% | 17.72%-9.1pp | 32.23%-23.6pp | 169.23%-160.6pp |
| Employer contribution / active EE | $901 | $2,105-57.2% | $5,501-83.6% | $1,963-54.1% |
| Participant deferral / active EE | $973 | $2,204-55.9% | $4,871-80.0% | $3,054-68.2% |
| Admin fee / account holder | $1 | $418-99.8% | $13,028-100.0% | $504-99.9% |