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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $62,911 |
MMA SECURITIES LLC3 years Service code 27 · EIN 22-3570392 9171 TOWNE CENTER DR, SUITE 500 · SAN DIEGO, CA 92122 | Advisory (Plan) | $24,670 |
Service code 13 | Contract Administrator | $8,500 |
AMERICAN FUNDS3 years Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
Filed as: FIDELITY INVESTMENTS Service code 52 · EIN 04-3365630 | 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 CONSULTANTS6+ years Filed as: SAN DIEGO PENSION CONSULTANTS, INC. Service code 13 · EIN 33-0461574 5628 COPLEY DR · SAN DIEGO, CA 92111 | Contract Administrator | $0 |
T ROWE PRICE RPS INC3 years Filed as: T. ROWE PRICE Service code 52 · EIN 52-2024849 | Indirect Investment Fees | $0 |
TIAA3 years Filed as: TIAA-CREF Service code 52 · EIN 13-4055167 | 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).
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 | $77,484 | $58,101+33.4% | $118,946-34.9% | $73,412+5.5% |
| Participation rate | 48.0% | 56.1%-8.1pp | 75.4%-27.4pp | 72.2%-24.2pp |
| Annual return | 15.54% | 20.56%-5.0pp | 35.89%-20.3pp | 59.30%-43.8pp |
| Employer contribution / active EE | $387 | $1,445-73.2% | $3,263-88.1% | $2,234-82.7% |
| Participant deferral / active EE | $2,324 | $2,400-3.2% | $4,266-45.5% | $3,806-38.9% |
| Admin fee / account holder | $558 | $138+304.0% | $6,581-91.5% | $158+253.3% |