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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $700 |
RELIANCE TRUST COMPANY4+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $325 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $43,949 | $42,548+3.3% | $74,552-41.0% | $56,287-21.9% |
| Participation rate | 67.8% | 60.5%+7.3pp | 69.1%-1.3pp | 69.9%-2.1pp |
| Annual return | -7.78% | 12.40%-20.2pp | 32.53%-40.3pp | -9.96%+2.2pp |
| Employer contribution / active EE | $850 | $855-0.6% | $1,961-56.7% | $2,111-59.7% |
| Participant deferral / active EE | $3,028 | $2,277+33.0% | $3,108-2.6% | $3,350-9.6% |
| Admin fee / account holder | $6 | $467-98.7% | $5,060-99.9% | $521-98.9% |