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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $3,544 |
Filed as: MILLENNIUM TRUST CO Service code 49 · EIN 36-4400066 | Other Services | $1,104 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,450 | $28,109-41.5% | $71,086-76.9% | $56,287-70.8% |
| Participation rate | 50.0% | 40.4%+9.6pp | 54.7%-4.7pp | 69.9%-19.9pp |
| Annual return | 0.27% | -615.05%+615.3pp | 650.59%-650.3pp | -9.96%+10.2pp |
| Employer contribution / active EE | $84 | $558-84.9% | $1,088-92.3% | $2,111-96.0% |
| Participant deferral / active EE | $950 | $1,116-14.8% | $1,874-49.3% | $3,350-71.6% |
| Admin fee / account holder | $38 | $585-93.5% | $3,082-98.8% | $521-92.7% |