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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE IN CO Service code 15 · EIN 04-1590850 | Recordkeeping | $12,008 |
APRIO BENEFIT ADVISORS LLC4 years Filed as: APRIO BENEFIT ADVISORS Service code 14 · EIN 58-2526504 | Plan Administrator | $8,467 |
MERRIL LYNCH1 year Service code 28 · EIN 13-5674085 | Investment Management | $4,473 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS Service code 27 · EIN 61-1732930 | Advisory (Plan) | $4,443 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $15,607 | $79,519-80.4% | $95,964-83.7% | $73,412-78.7% |
| Participation rate | 39.9% | 81.2%-41.2pp | 77.1%-37.2pp | 72.2%-32.2pp |
| Annual return | 15.54% | 19.20%-3.7pp | 91.64%-76.1pp | 59.30%-43.8pp |
| Employer contribution / active EE | $341 | $2,048-83.3% | $2,541-86.6% | $2,234-84.7% |
| Participant deferral / active EE | $1,008 | $4,138-75.6% | $4,167-75.8% | $3,806-73.5% |
| Admin fee / account holder | $160 | $184-13.2% | $6,797-97.6% | $158+1.4% |