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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 1295 STATE STREET · SPRINGFIELD, MA 011110001 | Recordkeeping Fees | $72,783 |
AMERITAS LIFE INSURANCE CORP2 years Filed as: AMERITAS INVESTMENT CORP Service code 53 · EIN 47-0663374 | Insurance Commissions | $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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $24,649 | $62,928-60.8% | $172,753-85.7% | $67,582-63.5% |
| Participation rate | 52.7% | 64.5%-11.8pp | 82.6%-30.0pp | 71.3%-18.6pp |
| Annual return | 2.69% | 30.36%-27.7pp | 803.00%-800.3pp | 378.57%-375.9pp |
| Employer contribution / active EE | $1,097 | $1,636-33.0% | $5,144-78.7% | $2,148-48.9% |
| Participant deferral / active EE | $1,701 | $2,145-20.7% | $5,198-67.3% | $3,539-51.9% |
| Admin fee / account holder | $329 | $167+97.6% | $13,956-97.6% | $142+131.4% |