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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE COMANY Service code 15 · EIN 04-1590850 | Recordkeeping | $80 |
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 63 | 12b-1 Fees | $0 |
Filed as: PENTEC PENSION MGMT GROUP INC Service code 13 · EIN 75-2776689 | Contract Administrator | $0 |
THOMAS NEWMAN3+ years Service code 22 · EIN 26-7667624 | Insurance Broker | $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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
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 | $21,972 | $106,008-79.3% | $92,240-76.2% | $147,586-85.1% |
| Participation rate | 68.2% | 80.4%-12.2pp | 76.5%-8.3pp | 82.8%-14.6pp |
| Annual return | 13.96% | 50.05%-36.1pp | 176.29%-162.3pp | 578.59%-564.6pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,804 | $4,478-15.1% | $3,897-2.4% | $5,439-30.1% |
| Admin fee / account holder | $0 | $6,333-100.0% | $5,194-100.0% | $10,886-100.0% |