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| Provider | Service type | Compensation |
|---|---|---|
FIRST CLEARING LLC5+ years Service code 52 · EIN 25-2384840 | Indirect Investment Fees | $0 |
Filed as: MASSMUTUAL RETIREMENT SERVICES LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $0 |
Filed as: THE HOWARD E. NYHART COMPANY, INC Service code 49 · EIN 35-0966414 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $45,227 | $47,922-5.6% | $75,901-40.4% | $65,185-30.6% |
| Participation rate | 32.3% | 63.0%-30.7pp | 69.3%-37.0pp | 70.2%-37.9pp |
| Annual return | 22.54% | 24.12%-1.6pp | 30.76%-8.2pp | 29.38%-6.8pp |
| Employer contribution / active EE | $308 | $1,557-80.2% | $2,501-87.7% | $2,177-85.8% |
| Participant deferral / active EE | $1,244 | $2,550-51.2% | $3,603-65.5% | $3,514-64.6% |
| Admin fee / account holder | $75 | $532-86.0% | $5,420-98.6% | $847-91.2% |