Filings through .
4 of 18 flags tripped on the 2025 filing.
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Low participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
Low returns
Annual investment return is in the bottom quintile of the peer cohort.
Few collective trusts
0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$28K in admin expenses, $114 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
6 funds of $250K or more; 40 lines in all, holding $4.3M of the plan's $4.6M. Recordkeeper: Empower.
Target-date series: BlackRock LifePath Index, mutual fund, 24% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| Mass S&P 500(R) Index I MassMutual · Mutual fund Index | $1.0M | 24.2% |
| BlackRock LifePath Index BlackRock · Mutual fund Target-date, 9 vintages | $1.0M | 24.1% |
| Mass Disciplined Growth I MassMutual · Other | $405K | 9.4% |
| Vanguard Total Bond Market Index Fund Admiral Shares Vanguard · Mutual fund Index | $331K | 7.7% |
| Vanguard Value Index Fund Admiral Shares Vanguard · Mutual fund Index | $279K | 6.5% |
| Empower International Index Fund Institutional Class Empower · Mutual fund IndexRecordkeeper's own fund | $270K | 6.3% |
| Empower S&P Mid Cap 400 Index Fund Institutional Class Empower · Mutual fund IndexRecordkeeper's own fund | $178K | 4.1% |
| Invesco Mainstrt Smcp R Invesco · Mutual fund | $176K | 4.1% |
| Empower Capital Preservation Account Empower · Stable value Stable valueRecordkeeper's own fund | $113K | 2.6% |
| Vanguard Windsor II Fund Admiral Shares Vanguard · Mutual fund | $81K | 1.9% |
| Fund | Manager | Vehicle | Dollars | % of funds |
|---|---|---|---|---|
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro |
30 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.
30 more lines in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 3 by compensation.
| Provider | Compensation |
|---|---|
EMPOWER ADVISORY GROUP, LLC3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 Recordkeeping Fees | $28,240 |
Filed as: MMLIS Service code 55 1295 STATE ST · SPRINGFIELD, MA 01111-0001 Other Commissions | $14,023 |
BEACON BENEFITS, INC.3 years Filed as: BEACON BENEFITS INC Service code 13 5 CHERRY HILL DR STE L120 · DANVERS, MA 01923 Contract Administrator | $1,980 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
4 feature codes on the 2025 filing.
2 contacts
10 filings · 2016 to 2025