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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 15 · EIN 04-1590850 | Recordkeeping | $1,363 |
Filed as: THE RETIREMENT ADVANTAGE Service code 50 · EIN 39-1816008 | Direct Payment | $300 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,125 | $38,365-58.0% | $84,623-80.9% | $65,185-75.3% |
| Participation rate | 31.6% | 55.7%-24.1pp | 68.2%-36.7pp | 70.2%-38.6pp |
| Annual return | 24.51% | 32.00%-7.5pp | 258.77%-234.3pp | 29.38%-4.9pp |
| Employer contribution / active EE | $200 | $1,258-84.1% | $2,652-92.5% | $2,177-90.8% |
| Participant deferral / active EE | $2,411 | $2,278+5.8% | $3,899-38.2% | $3,514-31.4% |
| Admin fee / account holder | $120 | $451-73.4% | $4,913-97.6% | $847-85.8% |