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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE COMPANY Service code 15 · EIN 04-1590850 | Recordkeeping | $212 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,099 | $44,850-88.6% | $60,547-91.6% | $59,633-91.4% |
| Participation rate | 39.7% | 59.5%-19.7pp | 68.0%-28.2pp | 68.7%-28.9pp |
| Annual return | 185.30% | 1074.14%-888.8pp | 335.64%-150.3pp | 2041.45%-1856.2pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $2,419-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,136 | $2,230-4.2% | $3,328-35.8% | $3,192-33.1% |
| Admin fee / account holder | $29 | $3,635-99.2% | $4,536-99.4% | $4,297-99.3% |