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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,814 |
RELIANCE TRUST COMPANY3+ 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $11,421 | $40,479-71.8% | $78,210-85.4% | $62,293-81.7% |
| Participation rate | 40.1% | 54.6%-14.5pp | 68.7%-28.6pp | 69.5%-29.4pp |
| Annual return | 15.42% | 66.31%-50.9pp | 40.90%-25.5pp | 28.90%-13.5pp |
| Employer contribution / active EE | $288 | $1,024-71.9% | $2,034-85.9% | $2,042-85.9% |
| Participant deferral / active EE | $815 | $1,718-52.5% | $2,823-71.1% | $3,169-74.3% |
| Admin fee / account holder | $27 | $376-92.8% | $3,758-99.3% | $479-94.4% |