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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $38,104 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $128,490 | $71,873+78.8% | $86,698+48.2% | $68,490+87.6% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -8.82% | 3.54%-12.4pp | 35.96%-44.8pp | -7.85%-1.0pp |
| Employer contribution / active EE | $7,880 | $2,173+262.6% | $2,837+177.8% | $2,597+203.5% |
| Participant deferral / active EE | $7,029 | $3,779+86.0% | $4,656+51.0% | $4,028+74.5% |
| Admin fee / account holder | $891 | $6,110-85.4% | $7,492-88.1% | $5,403-83.5% |