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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $609 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $15,011 | $31,571-52.5% | $59,496-74.8% | - |
| Participation rate | 62.6% | 39.6%+23.0pp | 54.6%+8.1pp | - |
| Annual return | -3.98% | -2.34%-1.6pp | 182.05%-186.0pp | - |
| Employer contribution / active EE | $0 | $479-100.0% | $1,153-100.0% | - |
| Participant deferral / active EE | $848 | $928-8.6% | $1,829-53.6% | - |
| Admin fee / account holder | $8 | $13,016-99.9% | $2,232-99.6% | - |