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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $537 |
Service code 49 · EIN 36-3429599 | Other Services | $20 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,841 | $80,753-12.3% | $136,298-48.0% | $62,293+13.7% |
| Participation rate | 65.9% | 73.5%-7.6pp | 81.9%-16.0pp | 69.5%-3.6pp |
| Annual return | 20.95% | 35.83%-14.9pp | 5156.27%-5135.3pp | 28.90%-7.9pp |
| Employer contribution / active EE | $904 | $2,884-68.7% | $4,696-80.7% | $2,042-55.7% |
| Participant deferral / active EE | $5,371 | $5,164+4.0% | $6,247-14.0% | $3,169+69.5% |
| Admin fee / account holder | $5 | $525-99.0% | $9,244-99.9% | $479-98.9% |