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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $15,477 |
PARADIGM BENEFITS LLC1+ years Service code 13 · EIN 42-1482611 | Contract Administrator | $5,342 |
SAGEPOINT FINANCIAL INC1+ years Filed as: FSC AGENCY INC Service code 53 · EIN 58-1152673 | Insurance Commissions | $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.
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 | $47,624 | $60,349-21.1% | $74,184-35.8% | $62,881-24.3% |
| Participation rate | 66.7% | 72.7%-6.1pp | 76.6%-10.0pp | 69.3%-2.6pp |
| Annual return | 7.00% | 21.38%-14.4pp | 17.74%-10.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $298 | $1,680-82.3% | $2,370-87.4% | $2,281-86.9% |
| Participant deferral / active EE | $2,698 | $2,856-5.5% | $3,550-24.0% | $3,203-15.8% |
| Admin fee / account holder | $228 | $4,261-94.7% | $5,586-95.9% | $4,296-94.7% |