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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $23,473 |
Filed as: EDWARD D. JONES & CO LP Service code 27 · EIN 43-0345811 | Advisory (Plan) | $11,510 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $55,255 | $51,466+7.4% | $78,778-29.9% | $62,293-11.3% |
| Participation rate | 53.7% | 59.8%-6.1pp | 69.2%-15.4pp | 69.5%-15.8pp |
| Annual return | 21.27% | 19.96%+1.3pp | 35.62%-14.3pp | 28.90%-7.6pp |
| Employer contribution / active EE | $937 | $827+13.3% | $1,986-52.8% | $2,042-54.1% |
| Participant deferral / active EE | $2,326 | $2,147+8.3% | $2,958-21.4% | $3,169-26.6% |
| Admin fee / account holder | $380 | $489-22.3% | $5,134-92.6% | $479-20.7% |