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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,128 |
Service code 27 · EIN 36-3429599 | Advisory (Plan) | $22 |
MORNINGSTAR2+ years Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381 | Other Services | $16 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $30,577 | $60,165-49.2% | $74,184-58.8% | $55,167-44.6% |
| Participation rate | 41.7% | 74.2%-32.4pp | 76.6%-34.9pp | 69.0%-27.3pp |
| Annual return | 8.32% | 10.00%-1.7pp | 17.74%-9.4pp | 169.23%-160.9pp |
| Employer contribution / active EE | $1,062 | $1,600-33.6% | $2,370-55.2% | $1,963-45.9% |
| Participant deferral / active EE | $1,687 | $2,973-43.2% | $3,550-52.5% | $3,054-44.8% |
| Admin fee / account holder | $21 | $419-95.0% | $5,586-99.6% | $504-95.9% |