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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $9,536 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Filed as: HOWARD ZODICOFF Service code 53 300 GARDEN CITY PLZ STE 252 · ARDEN CITY, NY 11530 | Insurance Commissions | $0 |
Filed as: STANLEY R NADEL Service code 53 300 GARDEN CITY PLZ STE 252 · GARDEN CITY, NY 11530 | Insurance Commissions | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $14,663 | $30,599-52.1% | $74,577-80.3% | $57,658-74.6% |
| Participation rate | 49.0% | 49.1%-0.2pp | 68.1%-19.1pp | 70.2%-21.3pp |
| Annual return | 24.19% | 14.24%+10.0pp | 20.47%+3.7pp | 5.13%+19.1pp |
| Employer contribution / active EE | $245 | $1,000-75.5% | $2,525-90.3% | $1,974-87.6% |
| Participant deferral / active EE | $1,134 | $1,805-37.2% | $3,458-67.2% | $3,061-63.0% |
| Admin fee / account holder | $67 | $98-32.0% | $4,138-98.4% | $95-29.5% |