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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL4+ years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 95-2834236 | Advisory (Plan) | $0 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 33 | Distribution (12b-1) fees; Securities... | $0 |
MORNINGSTAR2 years Filed as: MORNINGSTAR ASSOCIATES LLC Service code 49 · EIN 36-4317381 | Other Services | $0 |
RELIANCE TRUST COMPANY4+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $0 |
Service code 13 · EIN 20-0116061 | 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $26,506 | $44,473-40.4% | $76,518-65.4% | $55,725-52.4% |
| Participation rate | 6.9% | 51.0%-44.1pp | 68.0%-61.1pp | 70.9%-64.0pp |
| Annual return | 2.41% | -2.01%+4.4pp | -0.27%+2.7pp | 244.93%-242.5pp |
| Employer contribution / active EE | $0 | $1,101-100.0% | $2,647-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $323 | $1,988-83.8% | $3,836-91.6% | $3,356-90.4% |
| Admin fee / account holder | $0 | $134-100.0% | $4,849-100.0% | $115-100.0% |