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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $84,691 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $145,116 | $58,888+146.4% | $178,499-18.7% | $73,493+97.5% |
| Participation rate | 67.5% | 66.2%+1.2pp | 81.9%-14.4pp | 70.7%-3.2pp |
| Annual return | 16.83% | 24.86%-8.0pp | 151.10%-134.3pp | 28.51%-11.7pp |
| Employer contribution / active EE | $2,542 | $2,236+13.7% | $5,011-49.3% | $2,270+12.0% |
| Participant deferral / active EE | $4,859 | $2,568+89.2% | $5,202-6.6% | $3,740+29.9% |
| Admin fee / account holder | $851 | $400+112.6% | $13,986-93.9% | $513+65.9% |