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| Provider | Service type | Compensation |
|---|---|---|
Service code 53 · EIN 38-3023534 | Insurance Commissions | $6,218 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $5,061 |
Service code 13 · EIN 04-2530412 | Contract Administrator | $2,156 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 | Indirect Investment Fees | $0 |
Service code 52 | Indirect Investment Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $29,134 | $55,453-47.5% | $170,435-82.9% | $62,293-53.2% |
| Participation rate | 60.7% | 66.4%-5.7pp | 83.6%-22.9pp | 69.5%-8.8pp |
| Annual return | 27.64% | 21.38%+6.3pp | 205.94%-178.3pp | 28.90%-1.3pp |
| Employer contribution / active EE | $992 | $2,164-54.1% | $5,432-81.7% | $2,042-51.4% |
| Participant deferral / active EE | $1,710 | $2,303-25.7% | $4,939-65.4% | $3,169-46.0% |
| Admin fee / account holder | $46 | $455-90.0% | $13,881-99.7% | $479-90.5% |