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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $8,827 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 99 · EIN 13-5674085 | Other Fees | $8,240 |
THE AIMPOINT GROUP3 years Service code 14 · EIN 46-1931817 | Plan Administrator | $1,175 |
Filed as: MESIROW FINANCIAL INVESTMENT MGMT Service code 49 · EIN 36-3429599 | Other Services | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $26,145 | $53,901-51.5% | $134,162-80.5% | $73,497-64.4% |
| Participation rate | 55.9% | 62.8%-6.9pp | 72.2%-16.3pp | 70.7%-14.8pp |
| Annual return | 17.36% | 15.82%+1.5pp | 36.35%-19.0pp | 28.51%-11.2pp |
| Employer contribution / active EE | $224 | $1,458-84.6% | $3,705-93.9% | $2,270-90.1% |
| Participant deferral / active EE | $1,625 | $2,739-40.7% | $3,500-53.6% | $3,740-56.5% |
| Admin fee / account holder | $207 | $581-64.4% | $6,685-96.9% | $513-59.7% |