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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSRUANCE Service code 52 · EIN 04-1590850 1295 STATE STREET · SPRINGFIELD, MA 01111 | Indirect Investment Fees | $23,101 |
Filed as: ROBIN S. WEINGAST & ASSOCIATES Service code 13 · EIN 11-2859146 100 QUENTIN ROOSEVELT BLVD · GARDEN CITY, NY 11530 | Contract Administrator | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $48,618 | $63,924-23.9% | $108,582-55.2% | $55,167-11.9% |
| Participation rate | 36.0% | 74.3%-38.4pp | 79.6%-43.6pp | 69.0%-33.0pp |
| Annual return | 5.06% | 15.31%-10.2pp | -51.70%+56.8pp | 169.23%-164.2pp |
| Employer contribution / active EE | $0 | $1,879-100.0% | $3,758-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,953 | $3,067-36.3% | $4,311-54.7% | $3,054-36.1% |
| Admin fee / account holder | $312 | $618-49.5% | $7,645-95.9% | $504-38.0% |