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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $8,590 |
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401K ASSOCIATES Service code 17 · EIN 20-1181458 | Pension Consulting | $7,575 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $5,015 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,041 | $56,540-73.4% | $185,849-91.9% | $86,821-82.7% |
| Participation rate | 27.7% | 65.5%-37.8pp | 81.7%-54.0pp | 72.3%-44.6pp |
| Annual return | 19.37% | 118.20%-98.8pp | 122.10%-102.7pp | 97.94%-78.6pp |
| Employer contribution / active EE | $582 | $1,844-68.5% | $5,169-88.7% | $2,406-75.8% |
| Participant deferral / active EE | $1,642 | $2,555-35.7% | $5,569-70.5% | $4,132-60.3% |
| Admin fee / account holder | $139 | $150-6.9% | $16,244-99.1% | $170-17.8% |