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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $36,786 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL - RP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $18,466 |
Filed as: M2B RETIREMENT CONSULTING Service code 13 · EIN 81-3989034 | Contract Administrator | $9,957 |
Filed as: M2B RETIREMENT CONSULTING, LLC Service code 13 | Contract Administrator | $1,100 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,026 | $65,083-30.8% | $143,788-68.7% | $66,930-32.7% |
| Participation rate | 47.5% | 65.2%-17.7pp | 80.3%-32.8pp | 69.8%-22.3pp |
| Annual return | -13.63% | -11.13%-2.5pp | -0.03%-13.6pp | 1.57%-15.2pp |
| Employer contribution / active EE | $0 | $2,361-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,165 | $2,920-25.8% | $5,638-61.6% | $4,238-48.9% |
| Admin fee / account holder | $405 | $502-19.4% | $14,675-97.2% | $593-31.8% |