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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $175 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,429 | $50,464+87.1% | $75,784+24.6% | $52,331+80.4% |
| Participation rate | 56.0% | 66.8%-10.7pp | 75.8%-19.8pp | 68.1%-12.1pp |
| Annual return | 0.35% | 1.03%-0.7pp | 9.68%-9.3pp | 4.54%-4.2pp |
| Employer contribution / active EE | $235 | $1,988-88.2% | $3,323-92.9% | $1,882-87.5% |
| Participant deferral / active EE | $2,348 | $2,570-8.6% | $3,652-35.7% | $3,022-22.3% |
| Admin fee / account holder | $1 | $1,103-99.9% | $5,300-100.0% | $592-99.9% |