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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 20-0116061 | Contract Administrator | $350 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $140 |
LPL FINANCIAL5+ years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 95-2834236 | Advisory (Plan) | $0 |
MORNINGSTAR3 years Filed as: MORNINGSTAR ASSOCIATES LLC Service code 49 · EIN 36-4317381 | Other Services | $0 |
RELIANCE TRUST COMPANY5+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $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 | $28,165 | $40,522-30.5% | $84,628-66.7% | $67,579-58.3% |
| Participation rate | 6.9% | 51.1%-44.2pp | 68.2%-61.3pp | 71.3%-64.4pp |
| Annual return | 22.76% | 32.72%-10.0pp | 258.80%-236.0pp | 378.56%-355.8pp |
| Employer contribution / active EE | $0 | $1,146-100.0% | $2,653-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $267 | $2,132-87.5% | $3,900-93.1% | $3,539-92.4% |
| Admin fee / account holder | $7 | $145-95.3% | $4,914-99.9% | $142-95.1% |