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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INS. CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,930 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
FROST BANK5+ years Filed as: FROST BROKERAGE SERVICES Service code 22 · EIN 74-2404030 | Insurance Broker | $0 |
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 64 | Recordkeeping Fees | $0 |
Filed as: PENTEC PENSION MANAGEMENT GROUP, IN Service code 64 · EIN 75-2776689 | Recordkeeping Fees | $0 |
RELIANCE TRUST COMPANY5+ 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.
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 | $20,240 | $52,961-61.8% | $172,752-88.3% | $65,185-69.0% |
| Participation rate | 32.8% | 66.2%-33.4pp | 82.6%-49.9pp | 70.2%-37.4pp |
| Annual return | 19.85% | 30.12%-10.3pp | 802.97%-783.1pp | 29.38%-9.5pp |
| Employer contribution / active EE | $414 | $2,190-81.1% | $5,144-92.0% | $2,177-81.0% |
| Participant deferral / active EE | $1,135 | $2,471-54.1% | $5,198-78.2% | $3,514-67.7% |
| Admin fee / account holder | $76 | $472-83.9% | $13,955-99.5% | $847-91.0% |