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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $14,891 | $31,424-52.6% | $81,473-81.7% | $69,631-78.6% |
| Participation rate | 28.2% | 50.8%-22.7pp | 68.0%-39.8pp | 70.7%-42.5pp |
| Annual return | 22.52% | 22.44%+0.1pp | 38.78%-16.3pp | 27571.02%-27548.5pp |
| Employer contribution / active EE | $518 | $1,029-49.7% | $2,568-79.8% | $2,032-74.5% |
| Participant deferral / active EE | $1,025 | $1,838-44.2% | $3,537-71.0% | $3,224-68.2% |
| Admin fee / account holder | $11 | $103-89.6% | $4,561-99.8% | $110-90.3% |