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| Provider | Service type | Compensation |
|---|---|---|
RELIANCE TRUST COMPANY3+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $400 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $285 |
MORNINGSTAR3+ years Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 | Other Services | $21 |
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCITES, LLC Service code 49 · EIN 36-4317381 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $53,182 | $51,466+3.3% | $78,778-32.5% | $62,293-14.6% |
| Participation rate | 58.1% | 59.8%-1.7pp | 69.2%-11.1pp | 69.5%-11.4pp |
| Annual return | 17.86% | 19.96%-2.1pp | 35.62%-17.8pp | 28.90%-11.0pp |
| Employer contribution / active EE | $680 | $827-17.8% | $1,986-65.7% | $2,042-66.7% |
| Participant deferral / active EE | $2,552 | $2,147+18.8% | $2,958-13.7% | $3,169-19.5% |
| Admin fee / account holder | $3 | $489-99.4% | $5,134-99.9% | $479-99.4% |