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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANC Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $33,270 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113 | Insurance Commissions | $14,510 |
MORGAN STANLEY SMITH BARNEY3 years Service code 49 | Other Services | $1,025 |
THE RETIREMENT ADVANTAGE INC3 years Filed as: THE RETIREMENT ADVANTAGE, INC. Service code 13 · EIN 39-1816008 | Contract Administrator | $300 |
THE RETIREMENT ADVANTAGE INC4 years Filed as: THE RETIREMENT ADVANTAGE, INC Service code 13 · EIN 39-1816008 | Contract Administrator | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $77,406 | $55,122+40.4% | $104,639-26.0% | $73,497+5.3% |
| Participation rate | 46.3% | 67.7%-21.4pp | 74.1%-27.8pp | 70.7%-24.4pp |
| Annual return | 11.42% | 24.77%-13.4pp | 340.67%-329.3pp | 28.51%-17.1pp |
| Employer contribution / active EE | $516 | $1,464-64.8% | $2,682-80.8% | $2,270-77.3% |
| Participant deferral / active EE | $2,983 | $2,919+2.2% | $3,738-20.2% | $3,740-20.2% |
| Admin fee / account holder | $374 | $423-11.6% | $6,465-94.2% | $513-27.1% |