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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INS COMPANY Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $38,087 |
Filed as: SA STONE WEALTH MANAGEMENT INC. Service code 53 | Insurance Commissions | $15,198 |
HUNNEX AND SHOEMAKER, INC.6+ years Filed as: HUNNEX AND SHOEMAKER INC Service code 13 · EIN 91-1072394 | Contract Administrator | $6,707 |
QUEST CAPITAL STRATEGIES INC6+ years Service code 53 · EIN 95-3859254 | Insurance Commissions | $2,860 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $78,941 | $99,957-21.0% | $149,730-47.3% | $73,493+7.4% |
| Participation rate | 61.9% | 75.7%-13.8pp | 82.5%-20.6pp | 70.7%-8.8pp |
| Annual return | 18.97% | 53.87%-34.9pp | 276.70%-257.7pp | 28.51%-9.5pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $6,748 | $6,073+11.1% | $6,843-1.4% | $3,740+80.4% |
| Admin fee / account holder | $397 | $551-28.0% | $9,310-95.7% | $513-22.7% |