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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $10,415 |
MMA SECURITIES LLC5 years Service code 53 · EIN 22-3570392 | Insurance Commissions | $6,003 |
NOVA 401(K) ASSOCIATES2 years Service code 13 · EIN 20-1181458 | Contract Administrator | $2,350 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,052 | $63,768-60.7% | $98,506-74.6% | $79,389-68.4% |
| Participation rate | 32.3% | 69.9%-37.6pp | 73.3%-41.0pp | 70.7%-38.4pp |
| Annual return | 13.39% | 626.18%-612.8pp | 1494.92%-1481.5pp | 116.89%-103.5pp |
| Employer contribution / active EE | $592 | $2,558-76.9% | $2,961-80.0% | $2,428-75.6% |
| Participant deferral / active EE | $1,303 | $3,305-60.6% | $4,277-69.5% | $4,046-67.8% |
| Admin fee / account holder | $81 | $516-84.4% | $5,955-98.6% | $626-87.1% |