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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 1295 STATE STREET · SPRINGFIELD, MA 01111 | Indirect Investment Fees | $40,917 |
Service code 27 · EIN 47-1411118 4340 REDWOOD HIGHWAY, SUITE B-60 · SAN RAFAEL, CA 94903 | Advisory (Plan) | $37,707 |
ACTUARIES UNLIMITED, INC.3 years Service code 50 · EIN 95-3654973 16030 VENTURA BLVD, STE 320 · ENCINO, CA 91436 | Direct Payment | $17,966 |
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.)
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 | $77,629 | $104,482-25.7% | $159,455-51.3% | $79,393-2.2% |
| Participation rate | 40.0% | 76.6%-36.6pp | 82.8%-42.8pp | 70.7%-30.7pp |
| Annual return | 15.15% | 67.96%-52.8pp | 263.63%-248.5pp | 116.87%-101.7pp |
| Employer contribution / active EE | $765 | $3,416-77.6% | $4,830-84.2% | $2,428-68.5% |
| Participant deferral / active EE | $3,267 | $6,467-49.5% | $7,353-55.6% | $4,046-19.2% |
| Admin fee / account holder | $577 | $711-18.8% | $10,800-94.7% | $627-7.8% |