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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $3,150 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $47,739 | $63,924-25.3% | $108,582-56.0% | $55,167-13.5% |
| Participation rate | 41.5% | 74.3%-32.8pp | 79.6%-38.1pp | 69.0%-27.5pp |
| Annual return | 6.52% | 15.31%-8.8pp | -51.70%+58.2pp | 169.23%-162.7pp |
| Employer contribution / active EE | $744 | $1,879-60.4% | $3,758-80.2% | $1,963-62.1% |
| Participant deferral / active EE | $1,271 | $3,067-58.6% | $4,311-70.5% | $3,054-58.4% |
| Admin fee / account holder | $59 | $618-90.4% | $7,645-99.2% | $504-88.2% |