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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $11,678 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL - RP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $6,087 |
LINCOLN NATIONAL CORPORATION3+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $405 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $48,372 | $47,977+0.8% | $154,111-68.6% | $56,287-14.1% |
| Participation rate | 57.1% | 66.2%-9.0pp | 83.0%-25.9pp | 69.9%-12.7pp |
| Annual return | 1.13% | 3.54%-2.4pp | 735.18%-734.1pp | -9.96%+11.1pp |
| Employer contribution / active EE | $175 | $2,169-91.9% | $5,298-96.7% | $2,111-91.7% |
| Participant deferral / active EE | $1,798 | $2,392-24.8% | $5,081-64.6% | $3,350-46.3% |
| Admin fee / account holder | $306 | $438-30.1% | $13,411-97.7% | $521-41.2% |