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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $6,188 |
CW ASSOCIATES2+ years Filed as: P.K.Y. ASSOCIATES Service code 13 · EIN 16-1418035 | Contract Administrator | $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.
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.
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 | $20,345 | $42,546-52.2% | $71,796-71.7% | $55,167-63.1% |
| Participation rate | 9.3% | 59.1%-49.8pp | 69.1%-59.8pp | 69.0%-59.7pp |
| Annual return | 3.52% | 12.36%-8.8pp | 78.04%-74.5pp | 169.23%-165.7pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $186 | $2,064-91.0% | $2,794-93.4% | $3,054-93.9% |
| Admin fee / account holder | $344 | $650-47.1% | $4,815-92.9% | $504-31.8% |