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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $13,902 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH, Service code 71 · EIN 13-5674085 | Brokerage Fees | $7,491 |
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 | $39,376 | $66,124-40.5% | $90,430-56.5% | $73,493-46.4% |
| Participation rate | 37.8% | 69.7%-31.8pp | 72.7%-34.8pp | 70.7%-32.8pp |
| Annual return | 11.37% | 17.65%-6.3pp | 1293.73%-1282.4pp | 28.51%-17.1pp |
| Employer contribution / active EE | $457 | $2,346-80.5% | $3,262-86.0% | $2,270-79.9% |
| Participant deferral / active EE | $1,013 | $3,039-66.7% | $3,963-74.4% | $3,740-72.9% |
| Admin fee / account holder | $318 | $396-19.7% | $5,613-94.3% | $513-38.0% |