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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $2,553 |
Service code 13 · EIN 27-1186851 10933 TRADE CENTER DRIVE, SUITE 100 · RANCHO CORDOVA, CA 95670 | Contract Administrator | $2,073 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $21,439 | $75,183-71.5% | $123,894-82.7% | $55,167-61.1% |
| Participation rate | 92.8% | 72.8%+19.9pp | 81.4%+11.4pp | 69.0%+23.8pp |
| Annual return | 9.99% | 19.01%-9.0pp | 47.52%-37.5pp | 169.23%-159.2pp |
| Employer contribution / active EE | $543 | $2,823-80.8% | $4,617-88.2% | $1,963-72.3% |
| Participant deferral / active EE | $4,120 | $5,084-19.0% | $5,984-31.2% | $3,054+34.9% |
| Admin fee / account holder | $65 | $663-90.3% | $8,357-99.2% | $504-87.2% |