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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $4,670 |
Filed as: MESIROW FINANCIAL INVESTMENT MGT Service code 49 · EIN 36-3429599 | Other Services | $22 |
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).
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 | $17,255 | $61,660-72.0% | $80,022-78.4% | $64,173-73.1% |
| Participation rate | 59.3% | 71.7%-12.4pp | 75.8%-16.5pp | 69.6%-10.3pp |
| Annual return | -4.81% | -0.33%-4.5pp | 11.22%-16.0pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,000 | $1,810-44.8% | $2,468-59.5% | $2,381-58.0% |
| Participant deferral / active EE | $2,589 | $2,968-12.8% | $3,686-29.8% | $3,470-25.4% |
| Admin fee / account holder | $47 | $5,417-99.1% | $6,521-99.3% | $4,887-99.0% |