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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $77,475 |
AMERITAS LIFE INSURANCE CORP2 years Filed as: AMERITAS INVESTMENT COMPANY LLC Service code 53 · EIN 47-0663374 | Insurance Commissions | $0 |
Filed as: MALCOLM THOMPSON AND ASSOCIATES, IN Service code 13 · EIN 26-4203770 | Contract Administrator | $0 |
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.)
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 | $51,328 | $78,275-34.4% | $109,173-53.0% | $86,821-40.9% |
| Participation rate | 41.0% | 73.8%-32.8pp | 75.9%-34.9pp | 72.3%-31.3pp |
| Annual return | 14.45% | 19.14%-4.7pp | 25.75%-11.3pp | 97.94%-83.5pp |
| Employer contribution / active EE | $1,508 | $3,105-51.4% | $3,723-59.5% | $2,406-37.3% |
| Participant deferral / active EE | $3,082 | $3,641-15.3% | $4,654-33.8% | $4,132-25.4% |
| Admin fee / account holder | $323 | $198+62.7% | $6,755-95.2% | $170+90.4% |