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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 1295 STATE STREET · SPRINGFIELD, MA 011110001 | Indirect Investment Fees | $23,885 |
LINCOLN NATIONAL CORPORATION2 years Filed as: LINCOLN FINANCIAL SECURITIES Service code 53 · EIN 02-0275490 1 GRANITE PLACE · CONCORD, MA 03301 | Insurance Commissions | $9,843 |
ALTIGRO PENSION SERVICES INC2 years Filed as: ALTIGRO PENSION SERVICES, INC Service code 13 · EIN 20-1258185 3 ROUTE 46 · FAIRFIELD, NJ 070042304 | Contract Administrator | $0 |
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.
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 | $90,259 | $70,917+27.3% | $98,920-8.8% | $73,493+22.8% |
| Participation rate | 53.6% | 73.8%-20.2pp | 76.0%-22.5pp | 70.7%-17.1pp |
| Annual return | 5.24% | 34.18%-28.9pp | 196.47%-191.2pp | 28.51%-23.3pp |
| Employer contribution / active EE | $709 | $2,037-65.2% | $2,689-73.7% | $2,270-68.8% |
| Participant deferral / active EE | $2,295 | $3,501-34.5% | $4,245-45.9% | $3,740-38.6% |
| Admin fee / account holder | $306 | $535-42.8% | $6,643-95.4% | $513-40.3% |