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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $74,078 |
Filed as: UBS FINANCIAL SERVICES, INC Service code 27 · EIN 13-2638166 | Advisory (Plan) | $39,263 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $13,162 |
Service code 13 · EIN 27-0293282 | Contract Administrator | $11,529 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,786 | $102,661-43.7% | $151,645-61.9% | $66,949-13.7% |
| Participation rate | 75.1% | 85.5%-10.4pp | 87.5%-12.4pp | 69.8%+5.3pp |
| Annual return | -14.62% | -10.81%-3.8pp | 3.34%-18.0pp | 1.57%-16.2pp |
| Employer contribution / active EE | $2,987 | $4,184-28.6% | $6,165-51.6% | $2,545+17.3% |
| Participant deferral / active EE | $6,040 | $6,645-9.1% | $8,363-27.8% | $4,239+42.5% |
| Admin fee / account holder | $492 | $630-22.0% | $11,614-95.8% | $594-17.1% |