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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSR CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $12,989 |
Filed as: EDWARD D. JONES & CO LP Service code 53 · EIN 43-0345811 | Insurance Commissions | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $8,737 | $46,360-81.2% | $147,617-94.1% | $52,331-83.3% |
| Participation rate | 69.6% | 64.9%+4.6pp | 84.6%-15.0pp | 68.1%+1.5pp |
| Annual return | 0.74% | 1.62%-0.9pp | 61.98%-61.2pp | 4.54%-3.8pp |
| Employer contribution / active EE | $769 | $2,126-63.8% | $5,564-86.2% | $1,882-59.1% |
| Participant deferral / active EE | $816 | $2,258-63.8% | $4,895-83.3% | $3,022-73.0% |
| Admin fee / account holder | $95 | $766-87.6% | $11,612-99.2% | $592-83.9% |