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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $275 |
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).
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 | $26,220 | $56,640-53.7% | $78,002-66.4% | $55,167-52.5% |
| Participation rate | 47.6% | 73.3%-25.7pp | 75.5%-27.9pp | 69.0%-21.4pp |
| Annual return | 6.68% | 2868.48%-2861.8pp | 425.99%-419.3pp | 169.23%-162.5pp |
| Employer contribution / active EE | $667 | $1,724-61.3% | $2,470-73.0% | $1,963-66.0% |
| Participant deferral / active EE | $1,183 | $2,778-57.4% | $3,497-66.2% | $3,054-61.3% |
| Admin fee / account holder | $3 | $467-99.5% | $5,481-100.0% | $504-99.5% |