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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,391 |
RELIANCE TRUST COMPANY5+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $325 |
Service code 28 · EIN 61-1732930 | Investment Management | $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.
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 | $63,638 | $89,652-29.0% | $141,191-54.9% | $65,185-2.4% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.5%-15.8pp | 70.2%-3.5pp |
| Annual return | 23.69% | 32.79%-9.1pp | 71.41%-47.7pp | 29.38%-5.7pp |
| Employer contribution / active EE | $646 | $3,065-78.9% | $4,736-86.4% | $2,177-70.3% |
| Participant deferral / active EE | $3,596 | $5,691-36.8% | $6,710-46.4% | $3,514+2.3% |
| Admin fee / account holder | $131 | $569-77.0% | $10,264-98.7% | $847-84.6% |