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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $36,645 |
Service code 53 · EIN 74-2794194 | Insurance Commissions | $12,661 |
AMERICAN FUNDS2 years Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
BLACKROCK2 years Service code 52 · EIN 13-2949519 | Indirect Investment Fees | $0 |
CALVERT2 years Service code 52 · EIN 52-1233223 | Indirect Investment Fees | $0 |
DIMENSIONAL FUND ADVISORS2 years Service code 52 · EIN 36-3129984 | Indirect Investment Fees | $0 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Filed as: FIDELITY INVESTMENTS Service code 52 · EIN 04-2466841 | Indirect Investment Fees | $0 |
IVY FUNDS2 years Service code 52 · EIN 04-6006759 | Indirect Investment Fees | $0 |
THE VANGUARD GROUP, INC.2 years Filed as: VANGUARD Service code 52 · EIN 23-1999755 | Indirect Investment Fees | $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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $76,437 | $49,255+55.2% | $70,494+8.4% | $79,856-4.3% |
| Participation rate | 55.4% | 69.2%-13.8pp | 75.1%-19.7pp | 69.6%-14.3pp |
| Annual return | 6.03% | 30.10%-24.1pp | 109.16%-103.1pp | 31.71%-25.7pp |
| Employer contribution / active EE | $2,390 | $2,100+13.8% | $2,738-12.7% | $2,471-3.3% |
| Participant deferral / active EE | $4,612 | $2,768+66.6% | $3,711+24.3% | $3,741+23.3% |
| Admin fee / account holder | $458 | $2,879-84.1% | $3,848-88.1% | $5,306-91.4% |