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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $42,002 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH I Service code 27 · EIN 13-5674085 | Advisory (Plan) | $20,650 |
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 | $77,827 | $59,220+31.4% | $96,570-19.4% | $79,391-2.0% |
| Participation rate | 49.5% | 61.9%-12.4pp | 69.8%-20.3pp | 70.7%-21.2pp |
| Annual return | 26.40% | 27.08%-0.7pp | 37.79%-11.4pp | 116.88%-90.5pp |
| Employer contribution / active EE | $492 | $1,216-59.5% | $2,357-79.1% | $2,428-79.7% |
| Participant deferral / active EE | $2,727 | $2,948-7.5% | $3,849-29.2% | $4,046-32.6% |
| Admin fee / account holder | $532 | $659-19.3% | $6,182-91.4% | $627-15.1% |