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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $1,338 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $25,452 | $50,385-49.5% | $75,501-66.3% | $62,293-59.1% |
| Participation rate | 55.3% | 67.7%-12.4pp | 72.4%-17.1pp | 69.5%-14.3pp |
| Annual return | 15.85% | 19.90%-4.1pp | 27.35%-11.5pp | 28.90%-13.1pp |
| Employer contribution / active EE | $0 | $1,537-100.0% | $2,352-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,401 | $2,445-42.7% | $3,142-55.4% | $3,169-55.8% |
| Admin fee / account holder | $11 | $384-97.1% | $5,801-99.8% | $479-97.7% |