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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $2,286 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-2910703 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $25,645 | $86,341-70.3% | $125,192-79.5% | $65,185-60.7% |
| Participation rate | 43.0% | 75.3%-32.3pp | 79.8%-36.7pp | 70.2%-27.2pp |
| Annual return | 13.56% | 27.44%-13.9pp | 43.79%-30.2pp | 29.38%-15.8pp |
| Employer contribution / active EE | $840 | $2,040-58.8% | $3,866-78.3% | $2,177-61.4% |
| Participant deferral / active EE | $2,064 | $3,538-41.7% | $4,937-58.2% | $3,514-41.3% |
| Admin fee / account holder | $12 | $609-98.0% | $9,704-99.9% | $847-98.6% |