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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $8,309 |
MMA SECURITIES LLC4 years Service code 53 · EIN 22-3570392 | Insurance Commissions | $4,430 |
NOVA 401(K) ASSOCIATES1 year Service code 13 · EIN 20-1181458 | Contract Administrator | $1,970 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $22,664 | $66,124-65.7% | $90,461-74.9% | $73,497-69.2% |
| Participation rate | 35.8% | 69.7%-33.9pp | 72.7%-36.9pp | 70.7%-34.9pp |
| Annual return | 13.63% | 17.65%-4.0pp | 1294.76%-1281.1pp | 28.51%-14.9pp |
| Employer contribution / active EE | $528 | $2,346-77.5% | $3,264-83.8% | $2,270-76.7% |
| Participant deferral / active EE | $1,145 | $3,039-62.3% | $3,964-71.1% | $3,740-69.4% |
| Admin fee / account holder | $61 | $396-84.6% | $5,617-98.9% | $513-88.1% |