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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $42,646 |
Filed as: UBS FINANCIAL SERVICES Service code 27 · EIN 13-2638166 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $60,607 | $58,726+3.2% | $92,236-34.3% | $62,293-2.7% |
| Participation rate | 62.2% | 68.3%-6.1pp | 76.5%-14.2pp | 69.5%-7.3pp |
| Annual return | 29.90% | 43.62%-13.7pp | 176.29%-146.4pp | 28.90%+1.0pp |
| Employer contribution / active EE | $1,393 | $2,392-41.8% | $3,679-62.1% | $2,042-31.8% |
| Participant deferral / active EE | $6,677 | $2,766+141.4% | $3,897+71.4% | $3,169+110.7% |
| Admin fee / account holder | $417 | $556-25.1% | $5,194-92.0% | $479-13.0% |