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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $11,679 |
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3026745 | Recordkeeping | $510 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $10 |
ADP BROKER-DEALER1 year Service code 49 | Other Services | $0 |
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 | Recordkeeping | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,613 | $61,214-71.2% | $83,322-78.9% | $56,287-68.7% |
| Participation rate | 68.3% | 72.6%-4.3pp | 77.8%-9.4pp | 69.9%-1.5pp |
| Annual return | -3.88% | 0.42%-4.3pp | 10.64%-14.5pp | -9.96%+6.1pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $5,390 | $5,091+5.9% | $5,565-3.1% | $3,350+60.9% |
| Admin fee / account holder | $79 | $512-84.5% | $7,540-98.9% | $521-84.8% |