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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $12,270 |
Service code 13 · EIN 27-0293282 | Contract Administrator | $1,246 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Filed as: MESIROW FINANCIAL INVESTMENT MGMT Service code 49 · EIN 36-3429599 | Other Services | $0 |
UBS FINANCIAL SERVICES INC3 years Filed as: UBS FINANCIAL SVCS INS AGCY Service code 27 · EIN 51-0120742 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $61,802 | $63,114-2.1% | $92,909-33.5% | $65,185-5.2% |
| Participation rate | 38.6% | 68.8%-30.1pp | 76.0%-37.4pp | 70.2%-31.6pp |
| Annual return | 18.51% | 28.75%-10.2pp | 109.44%-90.9pp | 29.38%-10.9pp |
| Employer contribution / active EE | $604 | $2,571-76.5% | $3,653-83.5% | $2,177-72.2% |
| Participant deferral / active EE | $1,208 | $3,108-61.1% | $4,238-71.5% | $3,514-65.6% |
| Admin fee / account holder | $237 | $624-62.0% | $5,795-95.9% | $847-72.0% |