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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D JONES & CO Service code 27 · EIN 43-0345811 | Advisory (Plan) | $2,902 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,709 |
Service code 28 · EIN 61-1732930 | Investment Management | $0 |
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.
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 | $17,466 | $63,156-72.3% | $122,354-85.7% | $62,293-72.0% |
| Participation rate | 56.0% | 60.0%-4.0pp | 71.6%-15.6pp | 69.5%-13.5pp |
| Annual return | 18.35% | 20.61%-2.3pp | 30.28%-11.9pp | 28.90%-10.6pp |
| Employer contribution / active EE | $765 | $1,385-44.8% | $4,051-81.1% | $2,042-62.5% |
| Participant deferral / active EE | $889 | $2,321-61.7% | $3,287-73.0% | $3,169-71.9% |
| Admin fee / account holder | $62 | $440-86.0% | $5,479-98.9% | $479-87.1% |