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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 62 · EIN 04-1590850 | Float revenue; Recordkeeping fees | $44,868 |
Filed as: EMPOWER ANNUITY INSUR CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,890 |
PENSERV PLAN SERVICES, INC.8+ years Filed as: PENSERV, INC. Service code 13 · EIN 20-2872050 | Contract Administrator | $75 |
EQUITY SERVICES INC4 years Service code 53 · EIN 03-0221141 | Insurance Commissions | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,142 | $84,493+9.1% | $125,381-26.5% | $66,938+37.7% |
| Participation rate | 50.7% | 76.4%-25.7pp | 82.4%-31.7pp | 69.8%-19.1pp |
| Annual return | -17.14% | -8.49%-8.6pp | 572.31%-589.4pp | 1.58%-18.7pp |
| Employer contribution / active EE | $286 | $3,554-91.9% | $4,815-94.1% | $2,545-88.8% |
| Participant deferral / active EE | $4,976 | $6,783-26.6% | $7,448-33.2% | $4,238+17.4% |
| Admin fee / account holder | $569 | $685-16.9% | $10,007-94.3% | $594-4.0% |