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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $11,965 |
JPMORGAN INVEST HOLDINGS LLC4+ years Filed as: CHASE BENEFIT ADVISORS Service code 50 · EIN 54-1370499 | Direct Payment | $1,865 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $350 |
LPL FINANCIAL1 year Service code 27 · EIN 04-3046611 | Advisory (Plan) | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $59,203 | $35,485+66.8% | $74,551-20.6% | $55,725+6.2% |
| Participation rate | 46.9% | 62.5%-15.6pp | 69.1%-22.2pp | 70.9%-23.9pp |
| Annual return | -3.99% | 0.72%-4.7pp | 32.53%-36.5pp | 244.93%-248.9pp |
| Employer contribution / active EE | $151 | $777-80.6% | $1,961-92.3% | $2,078-92.7% |
| Participant deferral / active EE | $1,781 | $2,181-18.4% | $3,108-42.7% | $3,356-46.9% |
| Admin fee / account holder | $305 | $114+166.8% | $5,059-94.0% | $115+164.8% |