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| Provider | Service type | Compensation |
|---|---|---|
RELIANCE TRUST COMPANY4 years Service code 19 · EIN 58-1428634 | Securities Custodian | $240 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $30 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,761 | $51,447-71.3% | $104,639-85.9% | $73,412-79.9% |
| Participation rate | 37.4% | 68.2%-30.8pp | 74.1%-36.7pp | 72.2%-34.8pp |
| Annual return | 12.64% | 25.06%-12.4pp | 340.67%-328.0pp | 59.30%-46.7pp |
| Employer contribution / active EE | $342 | $1,441-76.3% | $2,682-87.2% | $2,234-84.7% |
| Participant deferral / active EE | $612 | $3,058-80.0% | $3,738-83.6% | $3,806-83.9% |
| Admin fee / account holder | $21 | $122-83.0% | $6,465-99.7% | $158-86.9% |