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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $81,121 |
SMS RETIREMENT1 year Filed as: JP SCHLACHTER/SMS RETIREMENT Service code 13 · EIN 31-1140818 | Contract Administrator | $25,701 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $23,675 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $14,867 |
Service code 53 · EIN 23-0731260 1717 ARCH ST · PHILADELPHIA, PA 19103 | Insurance Commissions | $7,354 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,992 | $74,188-3.0% | $115,756-37.8% | $64,819+11.1% |
| Participation rate | 61.3% | 76.2%-14.9pp | 77.1%-15.8pp | 71.5%-10.2pp |
| Annual return | -15.74% | -11.81%-3.9pp | 143.14%-158.9pp | 32.84%-48.6pp |
| Employer contribution / active EE | $83 | $3,365-97.5% | $3,793-97.8% | $2,507-96.7% |
| Participant deferral / active EE | $4,459 | $5,294-15.8% | $6,254-28.7% | $4,311+3.4% |
| Admin fee / account holder | $416 | $148+180.7% | $8,124-94.9% | $188+121.7% |