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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,372 |
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).
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 | $24,319 | $55,636-56.3% | $81,991-70.3% | $73,493-66.9% |
| Participation rate | 40.8% | 62.3%-21.5pp | 69.3%-28.5pp | 70.7%-29.9pp |
| Annual return | 12.18% | 19.07%-6.9pp | 41.31%-29.1pp | 28.51%-16.3pp |
| Employer contribution / active EE | $301 | $1,625-81.5% | $2,498-88.0% | $2,270-86.8% |
| Participant deferral / active EE | $1,588 | $2,762-42.5% | $3,722-57.4% | $3,740-57.5% |
| Admin fee / account holder | $21 | $493-95.7% | $5,665-99.6% | $513-95.9% |