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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $33,053 |
Filed as: HERITAGE INSITUTIONAL SERVICES Service code 27 · EIN 27-2388726 | Advisory (Plan) | $7,982 |
EMPLOYEE BENEFITS GROUP, LLC2 years Service code 13 · EIN 73-1554797 | Contract Administrator | $3,193 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,204 | $99,957-58.8% | $149,745-72.5% | $73,497-43.9% |
| Participation rate | 69.0% | 75.7%-6.7pp | 82.5%-13.5pp | 70.7%-1.7pp |
| Annual return | 10.02% | 53.87%-43.8pp | 276.72%-266.7pp | 28.51%-18.5pp |
| Employer contribution / active EE | $2,330 | $3,191-27.0% | $4,646-49.9% | $2,270+2.6% |
| Participant deferral / active EE | $4,494 | $6,073-26.0% | $6,843-34.3% | $3,740+20.2% |
| Admin fee / account holder | $321 | $551-41.8% | $9,312-96.6% | $513-37.5% |