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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC1 year Filed as: NFP RETIREMENT, INC. Service code 27 · EIN 33-0905143 | Advisory (Plan) | $6,813 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $3,742 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,222 | $78,428-72.9% | $95,960-77.9% | $79,852-73.4% |
| Participation rate | 81.0% | 73.5%+7.5pp | 77.1%+3.9pp | 69.6%+11.3pp |
| Annual return | 13.97% | 19.37%-5.4pp | 91.63%-77.7pp | 31.72%-17.7pp |
| Employer contribution / active EE | $377 | $1,945-80.6% | $2,541-85.2% | $2,471-84.7% |
| Participant deferral / active EE | $2,042 | $3,440-40.6% | $4,167-51.0% | $3,740-45.4% |
| Admin fee / account holder | $132 | $5,622-97.6% | $6,797-98.1% | $5,306-97.5% |