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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $41,760 |
Service code 53 · EIN 74-2794194 | Insurance Commissions | $13,493 |
CARLSON QUINN2 years Filed as: CARLSON QUINN & ASSOCIATES Service code 13 · EIN 94-3210526 | Contract Administrator | $11,423 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $64,837 | $80,753-19.7% | $136,297-52.4% | $62,293+4.1% |
| Participation rate | 69.4% | 73.5%-4.2pp | 81.9%-12.6pp | 69.5%-0.1pp |
| Annual return | 16.43% | 35.83%-19.4pp | 5156.19%-5139.8pp | 28.90%-12.5pp |
| Employer contribution / active EE | $1,594 | $2,884-44.7% | $4,696-66.1% | $2,042-21.9% |
| Participant deferral / active EE | $4,692 | $5,164-9.1% | $6,247-24.9% | $3,169+48.1% |
| Admin fee / account holder | $471 | $525-10.4% | $9,244-94.9% | $479-1.7% |