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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,946 |
ADP BROKER-DEALER4 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: MMLMASSMUTUAL Service code 49 565 TAXTER RD SUITE 625 · ELMSFORD, NY 10523 | Other Services | $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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,361 | $49,451-81.1% | $79,580-88.2% | $66,938-86.0% |
| Participation rate | 63.9% | 61.3%+2.6pp | 69.5%-5.6pp | 69.8%-5.9pp |
| Annual return | -9.33% | 84.25%-93.6pp | 0.15%-9.5pp | 1.58%-10.9pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,106 | $3,159-65.0% | $3,985-72.2% | $4,238-73.9% |
| Admin fee / account holder | $15 | $595-97.5% | $6,835-99.8% | $594-97.5% |