Filed December 8, 2025
Total covered: 6 employees
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $11,849 |
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL CORPORATION Service code 53 · EIN 95-2834236 | Insurance Commissions | $11,120 |
PENSION PLAN SPECIALISTS, PC2+ years Service code 13 · EIN 26-1570786 | Contract Administrator | $2,425 |
Filed as: MUTUAL OF AMERICA LIFE INSURANCE CO Service code 12 · EIN 13-1614399 | Account maintenance fees; Claims proc... | $198 |
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.
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 | $44,524 | $46,173-3.6% | $170,435-73.9% | $69,631-36.1% |
| Participation rate | 45.9% | 63.9%-18.0pp | 83.6%-37.7pp | 70.7%-24.8pp |
| Annual return | 10.04% | 21.62%-11.6pp | 205.94%-195.9pp | 27571.02%-27561.0pp |
| Employer contribution / active EE | $1,295 | $1,610-19.6% | $5,432-76.2% | $2,032-36.3% |
| Participant deferral / active EE | $2,283 | $2,080+9.7% | $4,939-53.8% | $3,224-29.2% |
| Admin fee / account holder | $74 | $116-36.0% | $13,881-99.5% | $110-32.8% |