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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $48,914 |
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.)
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 | $130,730 | $219,709-40.5% | $109,173+19.7% | - |
| Participation rate | 67.7% | 61.5%+6.2pp | 75.9%-8.2pp | - |
| Annual return | 37.61% | 14.84%+22.8pp | 25.75%+11.9pp | - |
| Employer contribution / active EE | $973 | $2,247-56.7% | $3,723-73.9% | - |
| Participant deferral / active EE | $3,420 | $3,260+4.9% | $4,654-26.5% | - |
| Admin fee / account holder | $992 | $13,236-92.5% | $6,755-85.3% | - |