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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 27-0293282 | Contract Administrator | $3,312 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $2,196 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 99 · EIN 13-5674085 | Other Fees | $0 |
Employer contribution per participant 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.
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 | $13,523 | $73,102-81.5% | $123,549-89.1% | $56,287-76.0% |
| Participation rate | 94.8% | 74.3%+20.5pp | 82.3%+12.5pp | 69.9%+24.9pp |
| Annual return | -0.17% | 3.01%-3.2pp | 119.20%-119.4pp | -9.96%+9.8pp |
| Employer contribution / active EE | $389 | $2,977-86.9% | $4,628-91.6% | $2,111-81.6% |
| Participant deferral / active EE | $3,448 | $5,423-36.4% | $6,426-46.3% | $3,350+2.9% |
| Admin fee / account holder | $37 | $554-93.4% | $9,284-99.6% | $521-93.0% |