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| Provider | Service type | Compensation |
|---|---|---|
WJPR CPAS2 years Service code 13 · EIN 73-1553481 | Contract Administrator | $2,075 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $933 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $22,687 | $56,443-59.8% | $83,850-72.9% | $55,725-59.3% |
| Participation rate | 33.0% | 72.0%-39.1pp | 76.1%-43.2pp | 70.9%-37.9pp |
| Annual return | -6.58% | 393.67%-400.3pp | 850.92%-857.5pp | 244.93%-251.5pp |
| Employer contribution / active EE | $859 | $2,682-68.0% | $3,631-76.4% | $2,078-58.7% |
| Participant deferral / active EE | $2,295 | $2,965-22.6% | $4,082-43.8% | $3,356-31.6% |
| Admin fee / account holder | $21 | $156-86.7% | $5,478-99.6% | $115-82.0% |