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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $1,235 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $27,467 | $56,640-51.5% | $78,002-64.8% | $55,167-50.2% |
| Participation rate | 19.8% | 73.3%-53.6pp | 75.5%-55.8pp | 69.0%-49.2pp |
| Annual return | 127.71% | 2868.48%-2740.8pp | 425.99%-298.3pp | 169.23%-41.5pp |
| Employer contribution / active EE | $155 | $1,724-91.0% | $2,470-93.7% | $1,963-92.1% |
| Participant deferral / active EE | $1,350 | $2,778-51.4% | $3,497-61.4% | $3,054-55.8% |
| Admin fee / account holder | $31 | $467-93.5% | $5,481-99.4% | $504-93.9% |