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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $1,981 |
LPL FINANCIAL4+ years Filed as: LPL FINANCIAL CORPORATION Service code 53 · EIN 95-2834236 | Insurance Commissions | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $73,546 | $73,102+0.6% | $123,553-40.5% | $56,289+30.7% |
| Participation rate | 52.1% | 74.3%-22.2pp | 82.3%-30.2pp | 69.9%-17.8pp |
| Annual return | -5.73% | 3.01%-8.7pp | 119.21%-124.9pp | -9.96%+4.2pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,736 | $5,423-31.1% | $6,426-41.9% | $3,350+11.5% |
| Admin fee / account holder | $11 | $554-98.0% | $9,284-99.9% | $521-97.8% |