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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Float revenue; Recordkeeping fees | $26,340 |
LPL FINANCIAL4 years Filed as: LPL FINANCIAL - RP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $19,618 |
Filed as: EMPOWER LIFE & ANNUITY INSURANCE Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,015 |
Filed as: ENHANCED RETIREMENT SOLUTIONS, LLC Service code 13 ONE BAUSCH AND LOMB PL · ROCHESTER, NY 14604 | Contract Administrator | $425 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $69,149 | $59,819+15.6% | $79,583-13.1% | $68,490+1.0% |
| Participation rate | 80.4% | 61.1%+19.4pp | 69.5%+10.9pp | 67.9%+12.5pp |
| Annual return | -17.04% | -12.30%-4.7pp | 0.16%-17.2pp | -7.85%-9.2pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,630 | $3,025+20.0% | $3,986-8.9% | $4,028-9.9% |
| Admin fee / account holder | $341 | $4,835-92.9% | $6,835-95.0% | $5,403-93.7% |