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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $7,694 |
CW ASSOCIATES6+ 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $29,438 | $54,573-46.1% | $90,970-67.6% | $73,497-59.9% |
| Participation rate | 9.9% | 61.2%-51.3pp | 69.0%-59.1pp | 70.7%-60.8pp |
| Annual return | 26.06% | 16.69%+9.4pp | 134.60%-108.5pp | 28.51%-2.5pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $420 | $2,517-83.3% | $3,373-87.6% | $3,740-88.8% |
| Admin fee / account holder | $350 | $521-32.9% | $5,961-94.1% | $513-31.8% |