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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $40,541 |
UBS FINANCIAL SERVICES INC3 years Filed as: UBS FINANCIAL SERVICES Service code 27 · EIN 13-2638166 | Advisory (Plan) | $11,381 |
Service code 13 · EIN 27-0293282 P.O BOX 601070 · JACKSONVILLE, FL 32260 | Contract Administrator | $9,938 |
Filed as: HARRELL, STINE AND ASSOC, LLC Service code 10 · EIN 26-1821557 | Accounting | $9,000 |
AMERICAN FUNDS2 years Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
FRANKLIN TEMPLETON1 year Service code 52 · EIN 13-2573775 | Indirect Investment Fees | $0 |
JANUS HENDERSON2 years Service code 52 · EIN 84-0592523 | Indirect Investment Fees | $0 |
NATIXIS FUNDS2 years Service code 52 · EIN 52-2257782 | Indirect Investment Fees | $0 |
OPPENHEIMER2 years Service code 52 · EIN 22-3849391 | Indirect Investment Fees | $0 |
PIMCO FUNDS2 years Service code 52 · EIN 95-2632339 | Indirect Investment Fees | $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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $20,154 | $64,286-68.6% | $106,387-81.1% | $55,725-63.8% |
| Participation rate | 17.2% | 75.2%-58.0pp | 77.5%-60.3pp | 70.9%-53.7pp |
| Annual return | -6.36% | 0.84%-7.2pp | 0.25%-6.6pp | 244.93%-251.3pp |
| Employer contribution / active EE | $176 | $2,367-92.6% | $3,520-95.0% | $2,078-91.5% |
| Participant deferral / active EE | $473 | $4,158-88.6% | $5,421-91.3% | $3,356-85.9% |
| Admin fee / account holder | $301 | $102+194.6% | $7,510-96.0% | $115+161.7% |