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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $25,844 |
CERITY PARTNERS1 year Filed as: CERITY PARTNERS RETIREMENT SERVICES Service code 27 · EIN 35-2467663 | Advisory (Plan) | $15,802 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,150 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,532 | $72,639-67.6% | $90,766-74.1% | $66,949-64.9% |
| Participation rate | 87.8% | 73.7%+14.2pp | 75.7%+12.1pp | 69.8%+18.0pp |
| Annual return | -15.36% | -12.28%-3.1pp | -12.16%-3.2pp | 1.57%-16.9pp |
| Employer contribution / active EE | $1,072 | $2,369-54.8% | $2,922-63.3% | $2,545-57.9% |
| Participant deferral / active EE | $4,384 | $3,979+10.2% | $4,565-4.0% | $4,239+3.4% |
| Admin fee / account holder | $349 | $708-50.6% | $8,446-95.9% | $594-41.2% |