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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $60,621 |
Service code 49 · EIN 36-3429599 | Other Services | $0 |
RELIANCE TRUST COMPANY6+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $76,661 | $52,279+46.6% | $89,414-14.3% | $79,852-4.0% |
| Participation rate | 45.2% | 57.5%-12.4pp | 68.0%-22.8pp | 69.6%-24.5pp |
| Annual return | 17.56% | 22.16%-4.6pp | 245.50%-227.9pp | 31.72%-14.2pp |
| Employer contribution / active EE | $1,048 | $1,572-33.3% | $2,586-59.5% | $2,471-57.6% |
| Participant deferral / active EE | $3,377 | $2,740+23.3% | $3,890-13.2% | $3,740-9.7% |
| Admin fee / account holder | $573 | $3,356-82.9% | $4,883-88.3% | $5,306-89.2% |