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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 33 · EIN 04-1590850 | Other investment fees and expenses; I... | $120,069 |
RBC WEALTH MANAGEMENT3+ years Service code 27 · EIN 41-1416330 | Advisory (Plan) | $72,702 |
PENSION INC.3+ years Filed as: THE PENSION COMPANY Service code 11 · EIN 75-2394560 | Actuarial | $28,649 |
Filed as: CHARLES SCHWAB & CO, INC. Service code 59 · EIN 94-1737782 | Shareholder Servicing | $642 |
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
Service code 59 | Shareholder Servicing | $0 |
DIAMOND HILL1 year Service code 52 · EIN 31-6547095 | Indirect Investment Fees | $0 |
DODGE & COX1 year Service code 52 · EIN 25-6219106 | Indirect Investment Fees | $0 |
FRANKLIN TEMPLETON1 year Service code 52 · EIN 59-6865210 | Indirect Investment Fees | $0 |
HARRIS1 year Service code 52 · EIN 04-3276558 | Indirect Investment Fees | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $152,498 | $55,453+175.0% | $170,435-10.5% | $62,293+144.8% |
| Participation rate | 87.4% | 66.4%+21.0pp | 83.6%+3.8pp | 69.5%+17.9pp |
| Annual return | 15.34% | 21.38%-6.0pp | 205.94%-190.6pp | 28.90%-13.6pp |
| Employer contribution / active EE | $6,833 | $2,164+215.8% | $5,432+25.8% | $2,042+234.6% |
| Participant deferral / active EE | $4,122 | $2,303+79.0% | $4,939-16.6% | $3,169+30.1% |
| Admin fee / account holder | $650 | $455+42.9% | $13,881-95.3% | $479+35.6% |