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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 49 · EIN 04-1590850 | Other Services | $58,841 |
SAGEPOINT FINANCIAL INC4+ years Filed as: SAGEPOINT FINANCIAL Service code 27 9171 TOWNE CENTER DR, SUITE 500 · SAN DIEGO, CA 92122 | Advisory (Plan) | $13,924 |
Service code 13 · EIN 33-0461574 | Contract Administrator | $11,630 |
MMA SECURITIES LLC1 year Service code 27 · EIN 22-3570392 MASSACHUSETTS MUTUAL LIFE INSURANCE · SPRINGFIELD, MA 01111 | Advisory (Plan) | $5,596 |
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
BLACKROCK1 year Service code 52 · EIN 51-0318674 | Indirect Investment Fees | $0 |
Filed as: JOHN HANCOCK Service code 52 · EIN 04-2528977 | Indirect Investment Fees | $0 |
Filed as: PUTNAM Service code 52 · EIN 04-6407893 | Indirect Investment Fees | $0 |
SAN DIEGO PENSION CONSULTANTS4+ years Filed as: SAN DIEGO PENSION CONSULTANTS, INC. Service code 13 5628 COPLEY DR · SAN DIEGO, CA 92111 | Contract Administrator | $0 |
T ROWE PRICE RPS INC1 year Filed as: T. ROWE PRICE Service code 52 · EIN 52-2024849 | Indirect Investment Fees | $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).
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 | $47,830 | $107,440-55.5% | $105,738-54.8% | $55,725-14.2% |
| Participation rate | 57.8% | 55.5%+2.3pp | 76.3%-18.5pp | 70.9%-13.0pp |
| Annual return | -4.40% | -0.59%-3.8pp | 6.27%-10.7pp | 244.93%-249.3pp |
| Employer contribution / active EE | $419 | $1,448-71.1% | $3,268-87.2% | $2,078-79.8% |
| Participant deferral / active EE | $2,523 | $2,171+16.2% | $4,080-38.2% | $3,356-24.8% |
| Admin fee / account holder | $455 | $283+60.7% | $6,913-93.4% | $115+295.2% |