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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $8,036 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,883 | $32,425-66.4% | $74,577-85.4% | $55,167-80.3% |
| Participation rate | 78.8% | 54.0%+24.8pp | 68.1%+10.7pp | 69.0%+9.8pp |
| Annual return | 6.13% | 10.63%-4.5pp | 20.47%-14.3pp | 169.23%-163.1pp |
| Employer contribution / active EE | $3,686 | $1,043+253.3% | $2,525+46.0% | $1,963+87.8% |
| Participant deferral / active EE | $1,631 | $1,995-18.2% | $3,458-52.8% | $3,054-46.6% |
| Admin fee / account holder | $43 | $748-94.2% | $4,138-99.0% | $504-91.4% |