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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $33,618 |
RBC WEALTH MANAGEMENT4 years Filed as: RBC CAPITAL MARKETS LLC Service code 27 · EIN 41-1416330 | Advisory (Plan) | $13,054 |
Filed as: PRIME PENSIONS, INC. Service code 14 · EIN 46-1224594 | Plan Administrator | $2,611 |
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.
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 | $42,440 | $56,540-24.9% | $185,851-77.2% | $86,821-51.1% |
| Participation rate | 23.0% | 65.5%-42.5pp | 81.7%-58.7pp | 72.3%-49.3pp |
| Annual return | 13.78% | 118.20%-104.4pp | 122.11%-108.3pp | 97.94%-84.2pp |
| Employer contribution / active EE | $784 | $1,844-57.5% | $5,168-84.8% | $2,406-67.4% |
| Participant deferral / active EE | $0 | $2,555-100.0% | $5,569-100.0% | $4,132-100.0% |
| Admin fee / account holder | $343 | $150+129.3% | $16,245-97.9% | $170+102.4% |