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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $28,719 |
Filed as: RAYMOND JAMES FIN SERV ADV, INC. Service code 27 · EIN 59-2937883 | Advisory (Plan) | $10,000 |
OPOC.US1 year Service code 14 300 WEST WILSON BRIDGE ROAD · WORTHINGTON, OH 43085 | Plan Administrator | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $16,947 | $58,888-71.2% | $178,498-90.5% | $73,493-76.9% |
| Participation rate | 73.1% | 66.2%+6.8pp | 81.9%-8.9pp | 70.7%+2.4pp |
| Annual return | 6.63% | 24.86%-18.2pp | 151.09%-144.5pp | 28.51%-21.9pp |
| Employer contribution / active EE | $567 | $2,236-74.6% | $5,011-88.7% | $2,270-75.0% |
| Participant deferral / active EE | $1,421 | $2,568-44.6% | $5,202-72.7% | $3,740-62.0% |
| Admin fee / account holder | $355 | $400-11.3% | $13,985-97.5% | $513-30.8% |