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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $12,449 |
Filed as: MESIROW FINANCIAL INVESTMENT MGT Service code 49 · EIN 36-3429599 | Other Services | $27 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $18,037 | $63,114-71.4% | $92,903-80.6% | $65,185-72.3% |
| Participation rate | 67.9% | 68.8%-0.8pp | 76.0%-8.1pp | 70.2%-2.3pp |
| Annual return | 26.35% | 28.75%-2.4pp | 109.43%-83.1pp | 29.38%-3.0pp |
| Employer contribution / active EE | $1,449 | $2,571-43.6% | $3,653-60.3% | $2,177-33.4% |
| Participant deferral / active EE | $2,016 | $3,108-35.1% | $4,238-52.4% | $3,514-42.6% |
| Admin fee / account holder | $49 | $624-92.1% | $5,795-99.2% | $847-94.2% |