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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRA, INC. Service code 99 · EIN 39-1816008 | Other Fees | $2,180 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $1,470 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,386 | $60,396-74.5% | $111,392-86.2% | $56,289-72.7% |
| Participation rate | 39.5% | 72.4%-32.9pp | 78.9%-39.3pp | 69.9%-30.3pp |
| Annual return | 15.00% | 20.26%-5.3pp | -2.06%+17.1pp | -9.96%+25.0pp |
| Employer contribution / active EE | $1,149 | $3,459-66.8% | $4,328-73.5% | $2,111-45.6% |
| Participant deferral / active EE | $1,728 | $4,421-60.9% | $5,567-69.0% | $3,350-48.4% |
| Admin fee / account holder | $25 | $610-95.8% | $12,266-99.8% | $521-95.1% |