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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $51,939 |
BANCFIRST2 years Filed as: BANCFIRST TRUST & INVESTMENT MGMT Service code 27 · EIN 73-1332918 | Advisory (Plan) | $24,152 |
Service code 13 · EIN 73-1554797 | Contract Administrator | $10,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,388 | $75,388-42.4% | $123,553-64.9% | $55,725-22.1% |
| Participation rate | 48.8% | 75.7%-26.9pp | 82.3%-33.5pp | 70.9%-22.0pp |
| Annual return | -3.74% | 4.48%-8.2pp | 119.21%-122.9pp | 244.93%-248.7pp |
| Employer contribution / active EE | $0 | $3,063-100.0% | $4,628-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,080 | $5,651-80.9% | $6,426-83.2% | $3,356-67.8% |
| Admin fee / account holder | $464 | $120+287.4% | $9,284-95.0% | $115+302.8% |