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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $9,165 |
Service code 13 · EIN 59-3163228 5503 WEST WATERS AVENUE, SUITE 500 · TAMPA, FL 33634 | Contract Administrator | $2,571 |
Filed as: GREAT WEST LIFE & ANNUITY CO Service code 28 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,511 |
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.
Annual investment return 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $31,955 | $58,101-45.0% | $118,946-73.1% | $73,412-56.5% |
| Participation rate | 24.0% | 56.1%-32.1pp | 75.4%-51.4pp | 72.2%-48.2pp |
| Annual return | -0.85% | 20.56%-21.4pp | 35.89%-36.7pp | 59.30%-60.1pp |
| Employer contribution / active EE | $278 | $1,445-80.7% | $3,263-91.5% | $2,234-87.5% |
| Participant deferral / active EE | $953 | $2,400-60.3% | $4,266-77.7% | $3,806-74.9% |
| Admin fee / account holder | $129 | $138-6.3% | $6,581-98.0% | $158-18.1% |