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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 49 · EIN 04-1590850 | Other Services | $64,572 |
LPL FINANCIAL4 years Filed as: LPL FINANCIAL, LLC Service code 27 | Advisory (Plan) | $23,746 |
Filed as: RETIREMENT PLAN SOLUTIONS Service code 13 · EIN 56-1762637 | Contract Administrator | $5,558 |
LPL FINANCIAL4 years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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 | $84,692 | $65,322+29.7% | $70,494+20.1% | $73,497+15.2% |
| Participation rate | 80.4% | 77.0%+3.4pp | 75.1%+5.3pp | 70.7%+9.7pp |
| Annual return | 2.91% | 15.71%-12.8pp | 109.16%-106.2pp | 28.51%-25.6pp |
| Employer contribution / active EE | $3,459 | $2,460+40.6% | $2,738+26.3% | $2,270+52.4% |
| Participant deferral / active EE | $4,622 | $3,375+37.0% | $3,711+24.6% | $3,740+23.6% |
| Admin fee / account holder | $587 | $214+174.3% | $3,848-84.7% | $513+14.4% |