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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $55,574 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $38,849 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,866 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $196,950 | $82,678+138.2% | $125,391+57.1% | $68,490+187.6% |
| Participation rate | 78.7% | 75.1%+3.6pp | 82.4%-3.7pp | 67.9%+10.8pp |
| Annual return | -9.96% | -5.97%-4.0pp | 572.41%-582.4pp | -7.85%-2.1pp |
| Employer contribution / active EE | $3,161 | $3,382-6.6% | $4,816-34.4% | $2,597+21.7% |
| Participant deferral / active EE | $10,769 | $6,111+76.2% | $7,448+44.6% | $4,028+167.4% |
| Admin fee / account holder | $785 | $6,277-87.5% | $10,009-92.2% | $5,403-85.5% |