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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 22 · EIN 13-5674085 | Insurance Broker | $14,515 |
Filed as: MASSMUTUAL LIFE INSURANCE COMPANY Service code 15 · EIN 04-1590850 | Recordkeeping | $8,050 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $35,644 | $81,208-56.1% | $98,920-64.0% | $79,852-55.4% |
| Participation rate | 49.5% | 72.5%-23.0pp | 76.0%-26.6pp | 69.6%-20.2pp |
| Annual return | 22.28% | 60.99%-38.7pp | 196.47%-174.2pp | 31.72%-9.4pp |
| Employer contribution / active EE | $676 | $1,960-65.5% | $2,689-74.9% | $2,471-72.6% |
| Participant deferral / active EE | $1,436 | $3,265-56.0% | $4,245-66.2% | $3,740-61.6% |
| Admin fee / account holder | $429 | $6,013-92.9% | $6,643-93.5% | $5,306-91.9% |