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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK1+ years Filed as: FROST BROKERAGE SERVICES Service code 22 · EIN 74-2404030 | Insurance Broker | $0 |
Filed as: MASS MUTUAL LIFE INS. CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $0 |
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 64 | Recordkeeping Fees | $0 |
Filed as: MESIROW FINANCIAL INVESTMENT MANGEM Service code 27 · EIN 36-3429599 | Advisory (Plan) | $0 |
MORNINGSTAR1+ years Filed as: MORNINGSTAR ASSOCIATES Service code 49 · EIN 36-4317381 | Other Services | $0 |
Filed as: PENTEC PENSION MANAGEMENT GROUP, IN Service code 64 · EIN 75-2776689 | Recordkeeping Fees | $0 |
RELIANCE TRUST COMPANY1+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $13,574 | $46,360-70.7% | $147,617-90.8% | $52,331-74.1% |
| Participation rate | 44.7% | 64.9%-20.2pp | 84.6%-39.9pp | 68.1%-23.4pp |
| Annual return | -1.96% | 1.62%-3.6pp | 61.98%-63.9pp | 4.54%-6.5pp |
| Employer contribution / active EE | $566 | $2,126-73.4% | $5,564-89.8% | $1,882-69.9% |
| Participant deferral / active EE | $1,319 | $2,258-41.6% | $4,895-73.1% | $3,022-56.4% |
| Admin fee / account holder | $0 | $766-100.0% | $11,612-100.0% | $592-100.0% |