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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $27,996 |
Service code 13 · EIN 11-3271022 111 EXPRESS STREET · PLAINVIEW, NY 11803 | Contract Administrator | $3,271 |
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).
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 | $125,665 | $58,512+114.8% | $84,020+49.6% | $72,983+72.2% |
| Participation rate | 41.8% | 61.2%-19.4pp | 69.0%-27.2pp | 69.5%-27.7pp |
| Annual return | 21.51% | 28.93%-7.4pp | 71.31%-49.8pp | 81.01%-59.5pp |
| Employer contribution / active EE | $1,247 | $1,163+7.2% | $1,984-37.2% | $2,440-48.9% |
| Participant deferral / active EE | $3,617 | $2,394+51.1% | $3,239+11.7% | $3,608+0.3% |
| Admin fee / account holder | $467 | $4,569-89.8% | $6,101-92.4% | $5,124-90.9% |