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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL RETIREMENT SERVICES Service code 15 · EIN 26-1589907 | Recordkeeping | $2,144 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $6,584 | $60,165-89.1% | $74,184-91.1% | $55,167-88.1% |
| Participation rate | 63.6% | 74.2%-10.6pp | 76.6%-13.1pp | 69.0%-5.4pp |
| Annual return | 5.82% | 10.00%-4.2pp | 17.74%-11.9pp | 169.23%-163.4pp |
| Employer contribution / active EE | $701 | $1,600-56.2% | $2,370-70.4% | $1,963-64.3% |
| Participant deferral / active EE | $1,509 | $2,973-49.2% | $3,550-57.5% | $3,054-50.6% |
| Admin fee / account holder | $19 | $419-95.5% | $5,586-99.7% | $504-96.2% |