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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 | $3,663 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $66,274 | $42,546+55.8% | $71,796-7.7% | $55,167+20.1% |
| Participation rate | 47.5% | 59.1%-11.6pp | 69.1%-21.6pp | 69.0%-21.5pp |
| Annual return | 4.92% | 12.36%-7.4pp | 78.04%-73.1pp | 169.23%-164.3pp |
| Employer contribution / active EE | $301 | $803-62.5% | $1,924-84.3% | $1,963-84.6% |
| Participant deferral / active EE | $2,682 | $2,064+29.9% | $2,794-4.0% | $3,054-12.2% |
| Admin fee / account holder | $49 | $650-92.5% | $4,815-99.0% | $504-90.3% |