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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO. Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $70,425 |
FTB ADVISORS, INC.2 years Filed as: FTB ADVISORS INC. Service code 27 · EIN 62-1254528 | Advisory (Plan) | $54,084 |
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $12,585 |
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,663 | $72,254+3.3% | $86,677-13.9% | $64,808+15.2% |
| Participation rate | 49.7% | 80.4%-30.7pp | 76.6%-26.9pp | 71.5%-21.8pp |
| Annual return | -15.79% | 392.42%-408.2pp | 35.91%-51.7pp | 32.82%-48.6pp |
| Employer contribution / active EE | $2,474 | $2,393+3.4% | $2,836-12.8% | $2,506-1.3% |
| Participant deferral / active EE | $2,392 | $4,658-48.6% | $4,656-48.6% | $4,310-44.5% |
| Admin fee / account holder | $381 | $174+119.3% | $7,493-94.9% | $188+103.0% |