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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $154,766 |
Filed as: SCHNEIDER DOWNS & CO, INC. Service code 10 · EIN 25-1408703 | Accounting | $47,487 |
INDEPENDENT FINANCIAL PARTNERS2+ years Service code 27 · EIN 59-3331424 | Advisory (Plan) | $21,898 |
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN PENSION SERVICES, INC. Service code 14 · EIN 26-3921633 | Plan Administrator | $0 |
AMERICAN REALTY ADVISORS2+ years Filed as: AMERICAN PENSION SERVICES, LLC Service code 13 · EIN 26-3921633 2451 MCMULLEN BOOTH ROAD STE 200 · CLEARWATER, FL 33759 | Contract Administrator | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $206,395 | $37,542+449.8% | $89,441+130.8% | $93,223+121.4% |
| Participation rate | 6.3% | 36.7%-30.3pp | 68.0%-61.6pp | 74.9%-68.6pp |
| Annual return | 9.88% | 16.65%-6.8pp | 245.62%-235.7pp | 19.29%-9.4pp |
| Employer contribution / active EE | $443 | $644-31.1% | $2,588-82.9% | $2,680-83.5% |
| Participant deferral / active EE | $1,367 | $1,684-18.8% | $3,891-64.9% | $4,563-70.0% |
| Admin fee / account holder | $318 | $107+197.6% | $4,885-93.5% | $79+301.6% |