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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 1100 SW 6TH AVENUE · SPRINGFIELD, MA 011110001 | Indirect Investment Fees | $58,232 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,813 | $54,590+44.4% | $81,726-3.6% | $73,497+7.2% |
| Participation rate | 100.0% | 68.3%+31.7pp | 72.0%+28.0pp | 70.7%+29.3pp |
| Annual return | 10.55% | 17.74%-7.2pp | 29.49%-18.9pp | 28.51%-18.0pp |
| Employer contribution / active EE | $6,239 | $1,636+281.4% | $4,311+44.7% | $2,270+174.8% |
| Participant deferral / active EE | $4,599 | $2,759+66.7% | $7,108-35.3% | $3,740+23.0% |
| Admin fee / account holder | $354 | $592-40.2% | $5,160-93.1% | $513-31.0% |