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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $17,208 |
Service code 26 · EIN 13-5674085 | Advisory (Participants) | $10,078 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,539 | $43,133+65.9% | $89,435-20.0% | $73,497-2.7% |
| Participation rate | 27.4% | 55.0%-27.6pp | 68.0%-40.6pp | 70.7%-43.3pp |
| Annual return | 17.19% | 135.66%-118.5pp | 245.55%-228.4pp | 28.51%-11.3pp |
| Employer contribution / active EE | $0 | $1,438-100.0% | $2,587-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,136 | $2,445-12.6% | $3,890-45.1% | $3,740-42.9% |
| Admin fee / account holder | $516 | $444+16.3% | $4,884-89.4% | $513+0.6% |