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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $7,367 |
CW ASSOCIATES4+ 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.)
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 | $21,319 | $42,548-49.9% | $74,551-71.4% | $56,289-62.1% |
| Participation rate | 9.1% | 60.5%-51.4pp | 69.1%-60.1pp | 69.9%-60.8pp |
| Annual return | -7.29% | 12.40%-19.7pp | 32.53%-39.8pp | -9.96%+2.7pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $288 | $2,277-87.4% | $3,108-90.7% | $3,350-91.4% |
| Admin fee / account holder | $351 | $467-24.9% | $5,059-93.1% | $521-32.7% |