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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUETTS MUTUAL LIFE INS. COMP Service code 62 · EIN 04-1590850 | Float revenue; Recordkeeping fees | $48,161 |
UBS FINANCIAL SERVICES INC5 years Filed as: UBS FINANCIAL SERVICES, INC. Service code 27 · EIN 13-2638166 | Advisory (Plan) | $21,387 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $8,478 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 27 · EIN 20-8764829 | Advisory (Plan) | $5,225 |
SOUTHERN PENSION SERVICES7 years Service code 13 · EIN 59-3461974 2707 W AZEELEE STREET SUITE 200 · TAMPA, FL 33609 | Contract Administrator | $2,859 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,745 | $82,188-27.3% | $125,391-52.4% | $64,824-7.8% |
| Participation rate | 50.9% | 77.9%-27.0pp | 82.4%-31.5pp | 71.5%-20.5pp |
| Annual return | -14.88% | 3.50%-18.4pp | 572.41%-587.3pp | 32.84%-47.7pp |
| Employer contribution / active EE | $737 | $3,617-79.6% | $4,816-84.7% | $2,507-70.6% |
| Participant deferral / active EE | $4,528 | $7,177-36.9% | $7,448-39.2% | $4,311+5.0% |
| Admin fee / account holder | $391 | $163+139.3% | $10,009-96.1% | $188+108.0% |