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| Provider | Service type | Compensation |
|---|---|---|
INTRUST BANK, N.A.1 year Service code 15 · EIN 48-0477525 | Recordkeeping | $17,981 |
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $9,506 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,760 | $65,453-20.9% | $86,698-40.3% | $66,938-22.7% |
| Participation rate | 41.9% | 75.5%-33.5pp | 76.6%-34.7pp | 69.8%-27.9pp |
| Annual return | -13.20% | -10.89%-2.3pp | 35.95%-49.1pp | 1.58%-14.8pp |
| Employer contribution / active EE | $868 | $2,154-59.7% | $2,837-69.4% | $2,545-65.9% |
| Participant deferral / active EE | $1,647 | $4,102-59.8% | $4,656-64.6% | $4,238-61.1% |
| Admin fee / account holder | $320 | $642-50.2% | $7,493-95.7% | $594-46.1% |