Filed October 8, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTAL LIFE INSUR. CO. Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $88,343 |
DEFINITI LLC3 years Filed as: DEFINITI, LLC Service code 13 | Contract Administrator | $25,429 |
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $16,107 |
FRAZIER & DEETER, LLC7 years Filed as: FRAZIER & DEETER Service code 10 · EIN 58-1433845 401 E. JACKSON STREET · TAMPA, FL 33602 | Accounting | $8,542 |
DEFINITI LLC2 years Filed as: DEFINITI Service code 13 · EIN 85-0833363 2201 TIMBERLOCH PLACE · THE WOODLANDS, TX 77380 | Contract Administrator | $950 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $153,791 | $82,163+87.2% | $125,381+22.7% | $64,819+137.3% |
| Participation rate | 66.9% | 77.9%-11.0pp | 82.4%-15.5pp | 71.5%-4.5pp |
| Annual return | -16.08% | 3.49%-19.6pp | 572.31%-588.4pp | 32.84%-48.9pp |
| Employer contribution / active EE | $1,335 | $3,616-63.1% | $4,815-72.3% | $2,507-46.7% |
| Participant deferral / active EE | $7,267 | $7,175+1.3% | $7,448-2.4% | $4,311+68.6% |
| Admin fee / account holder | $400 | $163+145.0% | $10,007-96.0% | $188+112.8% |