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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $81,458 |
SCHULTHEIS & PANETTIERI, LLP8+ years Service code 10 · EIN 13-1577780 | Accounting | $23,000 |
SPIVAK LIPTON LLP8+ years Filed as: SPIVAK LIPTON, LLP Service code 29 · EIN 13-3494495 | Legal | $18,125 |
Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $15,831 |
REYNOLDS CONSULTING SERVICES6 years Service code 27 · EIN 20-1899564 | Advisory (Plan) | $13,750 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,068 | $52,523+6.7% | $117,529-52.3% | $77,906-28.0% |
| Participation rate | 63.9% | 61.6%+2.4pp | 70.6%-6.7pp | 73.7%-9.8pp |
| Annual return | -16.50% | -13.76%-2.7pp | 29.77%-46.3pp | 12.16%-28.7pp |
| Employer contribution / active EE | $0 | $2,166-100.0% | $4,179-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $3,752 | $3,087+21.6% | $4,072-7.9% | $4,805-21.9% |
| Admin fee / account holder | $141 | $99+41.8% | $5,645-97.5% | $133+6.2% |