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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $350 |
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 | $25,893 | $58,726-55.9% | $92,240-71.9% | $62,293-58.4% |
| Participation rate | 48.1% | 68.3%-20.2pp | 76.5%-28.3pp | 69.5%-21.4pp |
| Annual return | 15.54% | 43.62%-28.1pp | 176.29%-160.8pp | 28.90%-13.4pp |
| Employer contribution / active EE | $0 | $2,392-100.0% | $3,680-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,245 | $2,766-55.0% | $3,897-68.0% | $3,169-60.7% |
| Admin fee / account holder | $4 | $556-99.4% | $5,194-99.9% | $479-99.2% |