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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $16,489 |
ASCENSUS LLC2 years Service code 16 · EIN 82-3719843 | Consulting | $6,155 |
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 27 · EIN 93-0987232 | Advisory (Plan) | $5,016 |
Filed as: EMPOWER ANNUITY INSURANC CO Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $4,515 |
Service code 13 · EIN 11-3665754 | Contract Administrator | $2,634 |
ASCENSUS LLC1 year Filed as: FUTUREPLAN BY ASCENSUS Service code 13 1102 CHESTNUT HILLS PRKY · FORT WAYNE, IN 46814 | Contract Administrator | $1,500 |
ASCENSUS LLC3 years Filed as: ASCENSUS Service code 13 | Contract Administrator | $139 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,070 | $65,061-63.0% | $143,757-83.3% | $66,914-64.0% |
| Participation rate | 26.2% | 65.2%-38.9pp | 80.3%-54.1pp | 69.8%-43.6pp |
| Annual return | -18.01% | -11.14%-6.9pp | -0.04%-18.0pp | 1.58%-19.6pp |
| Employer contribution / active EE | $407 | $2,361-82.7% | $4,951-91.8% | $2,544-84.0% |
| Participant deferral / active EE | $1,081 | $2,919-63.0% | $5,637-80.8% | $4,237-74.5% |
| Admin fee / account holder | $520 | $502+3.5% | $14,673-96.5% | $593-12.4% |