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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 1295 STATE STREET · SPRINGFIELD, MA 01111 | Indirect Investment Fees | $15,074 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $12,024 | $52,884-77.3% | $84,753-85.8% | $55,167-78.2% |
| Participation rate | 64.7% | 67.5%-2.8pp | 76.6%-11.9pp | 69.0%-4.3pp |
| Annual return | 7.11% | 18.03%-10.9pp | 22.78%-15.7pp | 169.23%-162.1pp |
| Employer contribution / active EE | $328 | $2,233-85.3% | $3,574-90.8% | $1,963-83.3% |
| Participant deferral / active EE | $1,781 | $2,644-32.6% | $3,712-52.0% | $3,054-41.7% |
| Admin fee / account holder | $113 | $581-80.5% | $5,333-97.9% | $504-77.6% |