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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $3,151 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $17,476 | $65,376-73.3% | $87,102-79.9% | $65,185-73.2% |
| Participation rate | 94.0% | 75.3%+18.7pp | 76.9%+17.1pp | 70.2%+23.8pp |
| Annual return | 22.26% | 31.27%-9.0pp | 28.19%-5.9pp | 29.38%-7.1pp |
| Employer contribution / active EE | $401 | $1,822-78.0% | $2,521-84.1% | $2,177-81.6% |
| Participant deferral / active EE | $1,962 | $3,388-42.1% | $4,048-51.5% | $3,514-44.2% |
| Admin fee / account holder | $84 | $520-83.9% | $7,491-98.9% | $847-90.1% |