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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $27,067 |
Service code 13 · EIN 11-3271022 111 EXPRESS STREET · PLAINVIEW, NY 11803 | Contract Administrator | $3,108 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,529 | $50,947+111.1% | $74,549+44.2% | $64,173+67.6% |
| Participation rate | 35.7% | 61.1%-25.3pp | 69.1%-33.4pp | 69.6%-33.9pp |
| Annual return | -5.89% | -1.85%-4.0pp | 32.53%-38.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,194 | $1,115+7.0% | $1,961-39.1% | $2,381-49.9% |
| Participant deferral / active EE | $3,331 | $2,302+44.7% | $3,108+7.2% | $3,470-4.0% |
| Admin fee / account holder | $483 | $4,221-88.5% | $5,059-90.4% | $4,887-90.1% |