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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $3,187 |
Service code 49 · EIN 36-3429599 | Other Services | $26 |
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.
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 | $88,842 | $69,383+28.0% | $101,264-12.3% | $73,493+20.9% |
| Participation rate | 38.5% | 68.4%-29.9pp | 75.8%-37.3pp | 70.7%-32.2pp |
| Annual return | 10.60% | 18.46%-7.9pp | 46.48%-35.9pp | 28.51%-17.9pp |
| Employer contribution / active EE | $1,692 | $2,628-35.6% | $3,660-53.8% | $2,270-25.5% |
| Participant deferral / active EE | $2,153 | $3,301-34.8% | $4,370-50.7% | $3,740-42.4% |
| Admin fee / account holder | $281 | $704-60.1% | $5,947-95.3% | $513-45.2% |