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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $46,276 |
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 52 · EIN 84-0467907 | Indirect Investment Fees | $12,478 |
Service code 16 · EIN 20-8874282 | Consulting | $7,362 |
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 | $66,284 | $72,303-8.3% | $86,691-23.5% | $64,814+2.3% |
| Participation rate | 49.4% | 80.4%-31.1pp | 76.6%-27.2pp | 71.5%-22.1pp |
| Annual return | -15.50% | 392.77%-408.3pp | 35.94%-51.4pp | 32.84%-48.3pp |
| Employer contribution / active EE | $854 | $2,393-64.3% | $2,837-69.9% | $2,507-65.9% |
| Participant deferral / active EE | $1,907 | $4,660-59.1% | $4,656-59.0% | $4,310-55.8% |
| Admin fee / account holder | $317 | $174+82.0% | $7,492-95.8% | $188+68.6% |