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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $6,758 |
CW ASSOCIATES3+ 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 | $24,635 | $51,466-52.1% | $78,778-68.7% | $62,293-60.5% |
| Participation rate | 9.6% | 59.8%-50.2pp | 69.2%-59.6pp | 69.5%-59.9pp |
| Annual return | 11.95% | 19.96%-8.0pp | 35.62%-23.7pp | 28.90%-16.9pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $268 | $2,147-87.5% | $2,958-91.0% | $3,169-91.6% |
| Admin fee / account holder | $375 | $489-23.3% | $5,134-92.7% | $479-21.7% |