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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUTSETTS MUTUAL LIFE INS. Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $21,213 |
LPL FINANCIAL5+ years Filed as: LPL FINANCIAL, LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $7,938 |
EPIC RETIREMENT PLAN SERVICES5+ years Filed as: KDP RETIREMENT PLAN SERVICES INC Service code 13 | Contract Administrator | $1,578 |
EPIC RETIREMENT PLAN SERVICES6+ years Filed as: KDP RETIREMENT PLAN SERVICES, INC. Service code 13 · EIN 38-3478073 | Contract Administrator | $0 |
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.
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 | $60,145 | $66,124-9.0% | $90,430-33.5% | $73,493-18.2% |
| Participation rate | 32.5% | 69.7%-37.1pp | 72.7%-40.1pp | 70.7%-38.1pp |
| Annual return | 0.17% | 17.65%-17.5pp | 1293.73%-1293.6pp | 28.51%-28.3pp |
| Employer contribution / active EE | $125 | $2,346-94.7% | $3,262-96.2% | $2,270-94.5% |
| Participant deferral / active EE | $1,002 | $3,039-67.0% | $3,963-74.7% | $3,740-73.2% |
| Admin fee / account holder | $408 | $396+3.0% | $5,613-92.7% | $513-20.5% |