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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $309,308 |
EDWARD JONES7+ years Filed as: EDWARD D JONES & CO L P Service code 27 · EIN 43-0345811 12555 MANCHESTER ROAD · ST LOUIS, MO 63131 | Advisory (Plan) | $81,371 |
PINNACLE PENSION SERVICES7+ years Service code 13 · EIN 82-0433443 3101 W. MAIN ST., STE. 100 · BOISE, ID 83702 | Contract Administrator | $80,563 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,496 | $67,512-40.0% | $185,837-78.2% | $93,010-56.5% |
| Participation rate | 63.2% | 67.1%-3.9pp | 81.7%-18.5pp | 73.9%-10.7pp |
| Annual return | 18.48% | 21.04%-2.6pp | 122.08%-103.6pp | 158.70%-140.2pp |
| Employer contribution / active EE | $1,621 | $1,783-9.1% | $5,168-68.6% | $2,705-40.1% |
| Participant deferral / active EE | $2,635 | $3,035-13.2% | $5,568-52.7% | $4,561-42.2% |
| Admin fee / account holder | $382 | $318+20.1% | $16,241-97.7% | $152+151.6% |