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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $23,423 |
Filed as: GLOBAL RETIREMENT PARTNERS, LLC Service code 27 · EIN 47-1411118 | Advisory (Plan) | $8,509 |
Filed as: PPS PENSION SERVICES, INC. Service code 13 · EIN 16-1062503 | Contract Administrator | $712 |
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.
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 | $39,328 | $31,679+24.1% | $74,723-47.4% | $65,186-39.7% |
| Participation rate | 42.8% | 40.4%+2.4pp | 54.5%-11.7pp | 70.2%-27.4pp |
| Annual return | 16.19% | 39.04%-22.8pp | 753.18%-737.0pp | 29.39%-13.2pp |
| Employer contribution / active EE | $580 | $566+2.4% | $1,084-46.5% | $2,177-73.4% |
| Participant deferral / active EE | $1,335 | $1,191+12.1% | $1,962-31.9% | $3,514-62.0% |
| Admin fee / account holder | $386 | $379+1.8% | $3,335-88.4% | $847-54.5% |