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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $27,949 |
Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $10,954 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $52 |
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.)
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 | $51,791 | $59,186-12.5% | $76,768-32.5% | $56,287-8.0% |
| Participation rate | 41.1% | 75.2%-34.1pp | 77.0%-35.9pp | 69.9%-28.8pp |
| Annual return | -2.43% | 6.62%-9.0pp | 2.43%-4.9pp | -9.96%+7.5pp |
| Employer contribution / active EE | $821 | $1,759-53.3% | $2,485-67.0% | $2,111-61.1% |
| Participant deferral / active EE | $1,361 | $3,255-58.2% | $3,852-64.7% | $3,350-59.4% |
| Admin fee / account holder | $452 | $489-7.7% | $6,675-93.2% | $521-13.3% |