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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $7,391 |
CW ASSOCIATES8+ 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,932 | $49,451-37.4% | $79,580-61.1% | $66,938-53.8% |
| Participation rate | 9.9% | 61.3%-51.4pp | 69.5%-59.6pp | 69.8%-59.9pp |
| Annual return | -14.37% | 84.25%-98.6pp | 0.15%-14.5pp | 1.58%-16.0pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $556 | $3,159-82.4% | $3,985-86.1% | $4,238-86.9% |
| Admin fee / account holder | $448 | $595-24.6% | $6,835-93.4% | $594-24.5% |