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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $20,943 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $6,217 |
POLLARD & ASSOCIATES, INC.3 years Service code 13 · EIN 52-0909772 | Contract Administrator | $2,171 |
Filed as: KESTRA INVESTMENT SERVICES, LLC Service code 53 · EIN 74-2794194 | Insurance Commissions | $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.)
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 | $54,684 | $65,453-16.5% | $86,691-36.9% | $66,930-18.3% |
| Participation rate | 42.2% | 75.5%-33.2pp | 76.6%-34.3pp | 69.8%-27.6pp |
| Annual return | -13.09% | -10.89%-2.2pp | 35.94%-49.0pp | 1.57%-14.7pp |
| Employer contribution / active EE | $620 | $2,154-71.2% | $2,837-78.2% | $2,545-75.7% |
| Participant deferral / active EE | $4,614 | $4,102+12.5% | $4,656-0.9% | $4,238+8.9% |
| Admin fee / account holder | $348 | $642-45.7% | $7,492-95.4% | $593-41.3% |