Filed August 27, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
LOMBARDI, CLAIRMONT & KEEGAN3 years Service code 50 · EIN 04-2511474 35 PEARL STREET · PITTSFIELD, MA 01201 | Direct Payment | $6,700 |
Filed as: AFC PENSIONS, INC. Service code 13 · EIN 04-2484178 200 RESERVOIR STREET, SUITE 100 · NEEDHAM, MA 024943146 | Contract Administrator | $4,942 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $530 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,008 | $81,474+68.2% | $133,959+2.3% | $73,493+86.4% |
| Participation rate | 44.4% | 76.4%-32.0pp | 79.8%-35.5pp | 70.7%-26.3pp |
| Annual return | 11.25% | 19.40%-8.2pp | 45.09%-33.8pp | 28.51%-17.3pp |
| Employer contribution / active EE | $1,466 | $2,209-33.6% | $3,919-62.6% | $2,270-35.4% |
| Participant deferral / active EE | $3,936 | $3,786+3.9% | $5,047-22.0% | $3,740+5.2% |
| Admin fee / account holder | $184 | $713-74.1% | $8,928-97.9% | $513-64.1% |