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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $35,833 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL - RP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $18,983 |
Filed as: M2B RETIREMENT CONSULTING Service code 13 · EIN 81-3989034 | Contract Administrator | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $52,804 | $52,961-0.3% | $172,755-69.4% | $65,185-19.0% |
| Participation rate | 48.3% | 66.2%-17.9pp | 82.6%-34.4pp | 70.2%-21.9pp |
| Annual return | 10.95% | 30.12%-19.2pp | 802.94%-792.0pp | 29.38%-18.4pp |
| Employer contribution / active EE | $0 | $2,190-100.0% | $5,144-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,678 | $2,471-32.1% | $5,198-67.7% | $3,514-52.2% |
| Admin fee / account holder | $402 | $472-14.8% | $13,955-97.1% | $847-52.5% |