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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $14,286 |
OPPENHEIMER2 years Filed as: OPPENHEIMER LIFE AGENCY LTD Service code 53 · EIN 13-2886227 | Insurance Commissions | $8,462 |
ALLIANCE BENEFIT GROUP2 years Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON, Service code 13 · EIN 76-0500416 | Contract Administrator | $802 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $23,000 | $65,322-64.8% | $70,476-67.4% | $73,493-68.7% |
| Participation rate | 51.0% | 77.0%-26.0pp | 75.1%-24.1pp | 70.7%-19.7pp |
| Annual return | 2.99% | 15.71%-12.7pp | 109.12%-106.1pp | 28.51%-25.5pp |
| Employer contribution / active EE | $1,058 | $2,460-57.0% | $2,738-61.3% | $2,270-53.4% |
| Participant deferral / active EE | $1,828 | $3,375-45.8% | $3,710-50.7% | $3,740-51.1% |
| Admin fee / account holder | $107 | $214-49.8% | $3,847-97.2% | $513-79.1% |