Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 6-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $29,953 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 15 · EIN 13-5674085 | Recordkeeping | $12,513 |
THE RETIREMENT ADVANTAGE INC2+ years Filed as: THE RETIREMENT ADVANTAGE Service code 15 · EIN 39-1816008 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,206 | $100,801-65.1% | $149,715-76.5% | $73,412-52.0% |
| Participation rate | 42.7% | 77.7%-35.0pp | 82.5%-39.8pp | 72.2%-29.5pp |
| Annual return | 19.21% | 265.34%-246.1pp | 276.66%-257.5pp | 59.30%-40.1pp |
| Employer contribution / active EE | $893 | $3,312-73.0% | $4,645-80.8% | $2,234-60.0% |
| Participant deferral / active EE | $4,819 | $6,404-24.7% | $6,842-29.6% | $3,806+26.6% |
| Admin fee / account holder | $358 | $181+98.0% | $9,310-96.2% | $158+126.7% |