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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $4,267 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $52,072 | $71,192-26.9% | $117,860-55.8% | $62,293-16.4% |
| Participation rate | 57.0% | 74.2%-17.2pp | 79.7%-22.7pp | 69.5%-12.5pp |
| Annual return | 13.58% | 18.66%-5.1pp | 335.10%-321.5pp | 28.90%-15.3pp |
| Employer contribution / active EE | $49 | $1,934-97.5% | $3,786-98.7% | $2,042-97.6% |
| Participant deferral / active EE | $1,700 | $3,189-46.7% | $4,482-62.1% | $3,169-46.4% |
| Admin fee / account holder | $40 | $587-93.1% | $8,021-99.5% | $479-91.6% |