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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $407 |
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).
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 | $58,559 | $80,753-27.5% | $136,298-57.0% | $62,293-6.0% |
| Participation rate | 49.0% | 73.5%-24.5pp | 81.9%-32.9pp | 69.5%-20.5pp |
| Annual return | 14.31% | 35.83%-21.5pp | 5156.27%-5142.0pp | 28.90%-14.6pp |
| Employer contribution / active EE | $987 | $2,884-65.8% | $4,696-79.0% | $2,042-51.7% |
| Participant deferral / active EE | $2,446 | $5,164-52.6% | $6,247-60.8% | $3,169-22.8% |
| Admin fee / account holder | $5 | $525-99.0% | $9,244-99.9% | $479-98.9% |