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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASS MUTUAL LIFE INSURANCE COMPANY Service code 62 · EIN 04-1590850 | Recordkeeping fees; Float revenue | $27,804 |
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $648 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $33,796 | $130,052-74.0% | $86,698-61.0% | $77,906-56.6% |
| Participation rate | 68.9% | 85.9%-17.0pp | 76.6%-7.7pp | 73.7%-4.8pp |
| Annual return | -12.83% | -12.73%-0.1pp | 35.95%-48.8pp | 12.16%-25.0pp |
| Employer contribution / active EE | $1,820 | $3,214-43.4% | $2,837-35.8% | $2,846-36.1% |
| Participant deferral / active EE | $2,840 | $5,741-50.5% | $4,656-39.0% | $4,805-40.9% |
| Admin fee / account holder | $29 | $132-78.0% | $7,493-99.6% | $133-78.1% |