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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,154 |
RELIANCE TRUST COMPANY2+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $400 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $9,408 | $32,085-70.7% | $40,145,923-100.0% | $57,658-83.7% |
| Participation rate | 34.7% | 66.0%-31.3pp | 68.4%-33.7pp | 70.2%-35.6pp |
| Annual return | 6.39% | 9.60%-3.2pp | 5.24%+1.2pp | 5.13%+1.3pp |
| Employer contribution / active EE | $331 | $1,179-71.9% | $1,844-82.0% | $1,974-83.2% |
| Participant deferral / active EE | $847 | $1,957-56.7% | $2,591-67.3% | $3,061-72.3% |
| Admin fee / account holder | $21 | $75-72.4% | $2,903-99.3% | $95-78.1% |