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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $26,027 |
PENSION ASSURANCE LLP3+ years Filed as: PENSION INNOVATIONS & CONSULTING Service code 13 · EIN 34-1944384 | Contract Administrator | $4,922 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $28,663 | $28,416+0.9% | $73,550-61.0% | $69,631-58.8% |
| Participation rate | 57.6% | 38.3%+19.3pp | 54.9%+2.7pp | 70.7%-13.1pp |
| Annual return | 13.26% | -694.13%+707.4pp | -15.16%+28.4pp | 27571.02%-27557.8pp |
| Employer contribution / active EE | $162 | $430-62.4% | $1,219-86.7% | $2,032-92.0% |
| Participant deferral / active EE | $839 | $897-6.4% | $1,804-53.5% | $3,224-74.0% |
| Admin fee / account holder | $109 | $104+4.4% | $2,320-95.3% | $110-1.4% |