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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $509 |
Filed as: MORGANSTANLEY SMITHBARNEY LLC Service code 55 · EIN 26-4310844 | Other Commissions | $252 |
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381 | Other Services | $21 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $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.
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 | $64,313 | $64,909-0.9% | $82,312-21.9% | $62,293+3.2% |
| Participation rate | 31.5% | 74.9%-43.4pp | 76.9%-45.4pp | 69.5%-38.0pp |
| Annual return | 14.08% | 21.18%-7.1pp | 25.88%-11.8pp | 28.90%-14.8pp |
| Employer contribution / active EE | $655 | $1,676-60.9% | $2,428-73.0% | $2,042-67.9% |
| Participant deferral / active EE | $1,078 | $3,103-65.2% | $3,706-70.9% | $3,169-66.0% |
| Admin fee / account holder | $9 | $440-97.9% | $5,608-99.8% | $479-98.1% |