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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $40,824 |
EJREYNOLDS, INC.2 years Service code 13 · EIN 59-2265857 | Contract Administrator | $0 |
UBS FINANCIAL SERVICES INC2 years Filed as: UBS FINANCIAL SERVICES, INC. Service code 27 · EIN 13-2638166 | Advisory (Plan) | $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.
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 | $49,472 | $89,652-44.8% | $141,191-65.0% | $65,185-24.1% |
| Participation rate | 60.9% | 74.7%-13.8pp | 82.5%-21.6pp | 70.2%-9.3pp |
| Annual return | 20.41% | 32.79%-12.4pp | 71.41%-51.0pp | 29.38%-9.0pp |
| Employer contribution / active EE | $703 | $3,065-77.1% | $4,736-85.1% | $2,177-67.7% |
| Participant deferral / active EE | $4,525 | $5,691-20.5% | $6,710-32.6% | $3,514+28.8% |
| Admin fee / account holder | $398 | $569-30.0% | $10,264-96.1% | $847-53.0% |