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| Provider | Service type | Compensation |
|---|---|---|
SANFORD ADVISORY SERVICES2 years Service code 26 · EIN 27-0645757 | Advisory (Participants) | $8,288 |
Service code 15 · EIN 35-0145825 | Recordkeeping | $5,495 |
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $5 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $15,063 | $47,977-68.6% | $154,108-90.2% | $56,289-73.2% |
| Participation rate | 44.2% | 66.2%-21.9pp | 83.0%-38.8pp | 69.9%-25.6pp |
| Annual return | -9.38% | 3.54%-12.9pp | 735.21%-744.6pp | -9.96%+0.6pp |
| Employer contribution / active EE | $595 | $2,169-72.6% | $5,298-88.8% | $2,111-71.8% |
| Participant deferral / active EE | $1,970 | $2,392-17.6% | $5,081-61.2% | $3,350-41.2% |
| Admin fee / account holder | $77 | $438-82.5% | $13,411-99.4% | $521-85.3% |