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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850 | Other Services | $29,514 |
Filed as: MML INVESTORS SERVICES LLC Service code 53 | Insurance Commissions | $11,569 |
Filed as: MML INVESTORS SERVICES INC Service code 53 · EIN 04-2746212 | Insurance Commissions | $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 | $24,550 | $52,961-53.6% | $172,752-85.8% | $65,185-62.3% |
| Participation rate | 44.4% | 66.2%-21.8pp | 82.6%-38.3pp | 70.2%-25.8pp |
| Annual return | 17.60% | 30.12%-12.5pp | 802.97%-785.4pp | 29.38%-11.8pp |
| Employer contribution / active EE | $464 | $2,190-78.8% | $5,144-91.0% | $2,177-78.7% |
| Participant deferral / active EE | $1,395 | $2,471-43.6% | $5,198-73.2% | $3,514-60.3% |
| Admin fee / account holder | $292 | $472-38.1% | $13,955-97.9% | $847-65.5% |