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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $37,210 |
EJREYNOLDS, INC.3 years Service code 13 · EIN 59-2265857 | Contract Administrator | $0 |
UBS FINANCIAL SERVICES INC3 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $56,087 | $99,957-43.9% | $149,745-62.5% | $73,497-23.7% |
| Participation rate | 55.6% | 75.7%-20.1pp | 82.5%-26.9pp | 70.7%-15.1pp |
| Annual return | 18.18% | 53.87%-35.7pp | 276.72%-258.5pp | 28.51%-10.3pp |
| Employer contribution / active EE | $637 | $3,191-80.0% | $4,646-86.3% | $2,270-71.9% |
| Participant deferral / active EE | $4,095 | $6,073-32.6% | $6,843-40.2% | $3,740+9.5% |
| Admin fee / account holder | $328 | $551-40.4% | $9,312-96.5% | $513-36.1% |