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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $598 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $27,755 | $52,961-47.6% | $172,755-83.9% | $65,185-57.4% |
| Participation rate | 29.2% | 66.2%-37.0pp | 82.6%-53.4pp | 70.2%-41.0pp |
| Annual return | 17.06% | 30.12%-13.1pp | 802.94%-785.9pp | 29.38%-12.3pp |
| Employer contribution / active EE | $118 | $2,190-94.6% | $5,144-97.7% | $2,177-94.6% |
| Participant deferral / active EE | $971 | $2,471-60.7% | $5,198-81.3% | $3,514-72.4% |
| Admin fee / account holder | $114 | $472-75.8% | $13,955-99.2% | $847-86.5% |