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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $5,550 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $358 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 28 · EIN 61-1732930 | Investment Management | $0 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
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 | $70,331 | $50,666+38.8% | $76,657-8.3% | $65,185+7.9% |
| Participation rate | 14.8% | 68.8%-54.0pp | 72.1%-57.3pp | 70.2%-55.4pp |
| Annual return | 20.57% | 28.51%-7.9pp | 1166.74%-1146.2pp | 29.38%-8.8pp |
| Employer contribution / active EE | $422 | $1,575-73.2% | $2,303-81.7% | $2,177-80.6% |
| Participant deferral / active EE | $1,001 | $2,647-62.2% | $3,335-70.0% | $3,514-71.5% |
| Admin fee / account holder | $127 | $463-72.6% | $6,423-98.0% | $847-85.0% |