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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $2,050 |
Service code 37 · EIN 27-0293282 PO BOX 601070 · JACKSONVILLE, FL 32260 | Loan Processing | $1,780 |
Service code 28 · EIN 61-1732930 | Investment Management | $0 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 27 · EIN 95-2834236 | Advisory (Plan) | $0 |
Service code 49 · EIN 36-3429599 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $29,918 | $49,138-39.1% | $84,020-64.4% | $65,185-54.1% |
| Participation rate | 59.7% | 60.7%-1.0pp | 69.0%-9.3pp | 70.2%-10.5pp |
| Annual return | 21.77% | 23.00%-1.2pp | 71.31%-49.5pp | 29.38%-7.6pp |
| Employer contribution / active EE | $473 | $914-48.2% | $1,984-76.1% | $2,177-78.3% |
| Participant deferral / active EE | $2,828 | $2,397+18.0% | $3,239-12.7% | $3,514-19.5% |
| Admin fee / account holder | $38 | $543-93.0% | $6,101-99.4% | $847-95.5% |