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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $7,525 |
CW ASSOCIATES5+ 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $20,803 | $49,138-57.7% | $84,021-75.2% | $65,185-68.1% |
| Participation rate | 12.6% | 60.7%-48.1pp | 69.0%-56.4pp | 70.2%-57.6pp |
| Annual return | 15.31% | 23.00%-7.7pp | 71.32%-56.0pp | 29.38%-14.1pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $358 | $2,397-85.1% | $3,239-88.9% | $3,514-89.8% |
| Admin fee / account holder | $327 | $543-39.8% | $6,102-94.6% | $847-61.4% |