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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO. Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $82,632 |
FTB ADVISORS, INC.1 year Filed as: FTB ADVISORS INC. Service code 27 · EIN 62-1254528 | Advisory (Plan) | $55,424 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,971 | $185,342-53.1% | $111,306-21.9% | $86,821+0.2% |
| Participation rate | 54.6% | 81.0%-26.4pp | 77.3%-22.7pp | 72.3%-17.7pp |
| Annual return | 12.84% | 500.80%-488.0pp | 54.67%-41.8pp | 97.94%-85.1pp |
| Employer contribution / active EE | $2,379 | $2,246+5.9% | $2,732-12.9% | $2,406-1.1% |
| Participant deferral / active EE | $2,452 | $4,458-45.0% | $4,488-45.4% | $4,132-40.7% |
| Admin fee / account holder | $664 | $255+159.8% | $7,966-91.7% | $170+291.4% |