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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $17,238 |
THE RETIREMENT ADVANTAGE INC3+ years Filed as: THE RETIREMENT ADVANTAGE, INC. Service code 13 · EIN 39-1816008 | Contract Administrator | $976 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $54,817 | $64,909-15.5% | $82,312-33.4% | $62,293-12.0% |
| Participation rate | 20.5% | 74.9%-54.4pp | 76.9%-56.4pp | 69.5%-49.0pp |
| Annual return | 23.14% | 21.18%+2.0pp | 25.88%-2.7pp | 28.90%-5.8pp |
| Employer contribution / active EE | $98 | $1,676-94.1% | $2,428-96.0% | $2,042-95.2% |
| Participant deferral / active EE | $0 | $3,103-100.0% | $3,706-100.0% | $3,169-100.0% |
| Admin fee / account holder | $431 | $440-2.0% | $5,608-92.3% | $479-10.1% |