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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $9,398 |
Filed as: RAYMOND JAMES & ASSOCIATES Service code 15 · EIN 59-1237041 | Recordkeeping | $4,628 |
PLANNING CORP OF AMERICA1 year Service code 16 · EIN 59-1199408 | Consulting | $0 |
PLANTECH, LLP1 year Service code 13 · EIN 72-1386027 | Contract Administrator | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $89,852 | $54,590+64.6% | $81,716+10.0% | $73,493+22.3% |
| Participation rate | 23.3% | 68.3%-45.0pp | 72.0%-48.7pp | 70.7%-47.4pp |
| Annual return | 11.85% | 17.74%-5.9pp | 29.49%-17.6pp | 28.51%-16.7pp |
| Employer contribution / active EE | $544 | $1,636-66.7% | $4,310-87.4% | $2,270-76.0% |
| Participant deferral / active EE | $1,238 | $2,759-55.1% | $7,108-82.6% | $3,740-66.9% |
| Admin fee / account holder | $689 | $592+16.4% | $5,159-86.6% | $513+34.4% |