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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 MASS MUTUAL FINANCIAL GROUP · SPRINGFIELD, MA 01111 | Indirect Investment Fees | $4,564 |
Filed as: JOHN D DEMARIA Service code 53 3 HALFMOON EXEC PK DR · CLIFTON PARK, NY 12065 | 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).
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 | $61,939 | $39,245+57.8% | $64,105-3.4% | $52,331+18.4% |
| Participation rate | 52.6% | 58.2%-5.6pp | 68.2%-15.5pp | 68.1%-15.5pp |
| Annual return | -0.61% | 14.79%-15.4pp | 791.24%-791.9pp | 4.54%-5.2pp |
| Employer contribution / active EE | $340 | $736-53.9% | $1,820-81.3% | $1,882-82.0% |
| Participant deferral / active EE | $2,667 | $1,992+33.9% | $2,822-5.5% | $3,022-11.8% |
| Admin fee / account holder | $56 | $592-90.5% | $4,499-98.7% | $592-90.5% |