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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $4,591 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,032 | $91,517-59.5% | $101,275-63.4% | $73,412-49.6% |
| Participation rate | 36.0% | 73.8%-37.7pp | 75.8%-39.8pp | 72.2%-36.1pp |
| Annual return | 15.47% | 17.17%-1.7pp | 46.48%-31.0pp | 59.30%-43.8pp |
| Employer contribution / active EE | $486 | $2,877-83.1% | $3,660-86.7% | $2,234-78.2% |
| Participant deferral / active EE | $1,812 | $3,338-45.7% | $4,371-58.5% | $3,806-52.4% |
| Admin fee / account holder | $32 | $216-85.4% | $5,948-99.5% | $158-80.0% |