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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 27-0293282 | Contract Administrator | $1,153 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $640 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,347 | $63,314-37.9% | $91,004-56.8% | $62,293-36.8% |
| Participation rate | 45.1% | 73.3%-28.2pp | 75.6%-30.5pp | 69.5%-24.4pp |
| Annual return | 31.60% | 21.00%+10.6pp | 4.60%+27.0pp | 28.90%+2.7pp |
| Employer contribution / active EE | $411 | $1,807-77.3% | $2,456-83.3% | $2,042-79.9% |
| Participant deferral / active EE | $1,354 | $2,944-54.0% | $3,548-61.8% | $3,169-57.3% |
| Admin fee / account holder | $21 | $468-95.5% | $5,417-99.6% | $479-95.6% |