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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HERITAGE INSTITUTIONAL SERVICES Service code 27 · EIN 27-2388726 | Advisory (Plan) | $6,340 |
Filed as: MASSACHUSETTS LIFE INSURANCE CO. Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $6,276 |
EMPLOYEE BENEFITS GROUP, LLC4+ years Service code 13 · EIN 73-1554797 | Contract Administrator | $5,357 |
Filed as: MML INVESTORS SERVICES INC Service code 53 | Insurance Commissions | $322 |
Filed as: MML INVESTORS SERVICES INC. Service code 53 · EIN 04-2746212 | Insurance Commissions | $0 |
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.
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 | $76,663 | $95,188-19.5% | $76,518+0.2% | $135,379-43.4% |
| Participation rate | 78.9% | 74.4%+4.6pp | 68.0%+10.9pp | 82.6%-3.7pp |
| Annual return | -94.00% | 4.85%-98.9pp | -0.27%-93.7pp | 519.79%-613.8pp |
| Employer contribution / active EE | $13,743 | $3,303+316.1% | $2,647+419.1% | $4,779+187.6% |
| Participant deferral / active EE | $25,605 | $4,640+451.9% | $3,836+567.6% | $5,609+356.5% |
| Admin fee / account holder | $789 | $6,249-87.4% | $4,849-83.7% | $10,828-92.7% |