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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $10,407 |
OPPENHEIMER1 year Filed as: OPPENHEIMER LIFE AGENCY LTD Service code 53 · EIN 13-2886227 | Insurance Commissions | $6,618 |
ALLIANCE BENEFIT GROUP1 year Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON, Service code 13 · EIN 76-0500416 | Contract Administrator | $573 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,789 | $60,795-62.5% | $69,461-67.2% | $65,185-65.0% |
| Participation rate | 49.1% | 74.9%-25.7pp | 74.6%-25.5pp | 70.2%-21.1pp |
| Annual return | 8.07% | 17.46%-9.4pp | 28.97%-20.9pp | 29.38%-21.3pp |
| Employer contribution / active EE | $1,236 | $2,452-49.6% | $2,779-55.5% | $2,177-43.2% |
| Participant deferral / active EE | $2,254 | $3,162-28.7% | $3,536-36.2% | $3,514-35.8% |
| Admin fee / account holder | $81 | $314-74.1% | $3,840-97.9% | $847-90.4% |