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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $6,064 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 49 · EIN 13-5674085 | Other Services | $50 |
Filed as: MESIROW FINANCIAL INVESTMENT MGMT Service code 49 · EIN 36-3429599 | Other Services | $27 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $10,612 | $52,961-80.0% | $172,752-93.9% | $65,185-83.7% |
| Participation rate | 47.8% | 66.2%-18.4pp | 82.6%-34.9pp | 70.2%-22.4pp |
| Annual return | 20.85% | 30.12%-9.3pp | 802.97%-782.1pp | 29.38%-8.5pp |
| Employer contribution / active EE | $490 | $2,190-77.6% | $5,144-90.5% | $2,177-77.5% |
| Participant deferral / active EE | $944 | $2,471-61.8% | $5,198-81.8% | $3,514-73.1% |
| Admin fee / account holder | $5 | $472-98.9% | $13,955-100.0% | $847-99.4% |