Filed October 8, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTAL LIFE INSUR. CO. Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $87,274 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 1400 MERRILL LYNCH DR · PENNINGTON, NJ 08534 | Advisory (Plan) | $41,565 |
DEFINITI LLC1 year Filed as: DEFINITI, LLC Service code 13 · EIN 85-0833363 2201 TIMBERLOCH PLACE · THE WOODLANDS, TX 77380 | Contract Administrator | $17,959 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $152,308 | $100,801+51.1% | $149,730+1.7% | $73,412+107.5% |
| Participation rate | 66.5% | 77.7%-11.2pp | 82.5%-15.9pp | 72.2%-5.6pp |
| Annual return | 15.63% | 265.34%-249.7pp | 276.70%-261.1pp | 59.30%-43.7pp |
| Employer contribution / active EE | $1,128 | $3,312-65.9% | $4,645-75.7% | $2,234-49.5% |
| Participant deferral / active EE | $6,928 | $6,404+8.2% | $6,843+1.2% | $3,806+82.0% |
| Admin fee / account holder | $493 | $181+172.5% | $9,310-94.7% | $158+212.1% |