Filed January 23, 2006
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
HIGHTOWER ADVISORS LLC1 year Filed as: HIGHTOWER ADVISORS, LLC Service code 27 · EIN 36-4500709 | Advisory (Plan) | $20,037 |
Service code 99 · EIN 58-1396043 | Other Fees | $2,998 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,819 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $618 |
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 | $46,813 | $35,986+30.1% | $77,552-39.6% | $73,497-36.3% |
| Participation rate | 84.1% | 40.8%+43.2pp | 54.2%+29.9pp | 70.7%+13.4pp |
| Annual return | 12.01% | 19.26%-7.2pp | 54.82%-42.8pp | 28.51%-16.5pp |
| Employer contribution / active EE | $980 | $557+75.8% | $987-0.7% | $2,270-56.8% |
| Participant deferral / active EE | $2,786 | $1,198+132.6% | $1,861+49.7% | $3,740-25.5% |
| Admin fee / account holder | $113 | $466-75.7% | $2,859-96.0% | $513-77.9% |