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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $1,002 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $20,833 | $80,753-74.2% | $136,298-84.7% | $62,293-66.6% |
| Participation rate | 58.0% | 73.5%-15.5pp | 81.9%-23.9pp | 69.5%-11.5pp |
| Annual return | 20.96% | 35.83%-14.9pp | 5156.27%-5135.3pp | 28.90%-7.9pp |
| Employer contribution / active EE | $1,184 | $2,884-59.0% | $4,696-74.8% | $2,042-42.0% |
| Participant deferral / active EE | $1,991 | $5,164-61.5% | $6,247-68.1% | $3,169-37.2% |
| Admin fee / account holder | $9 | $525-98.4% | $9,244-99.9% | $479-98.2% |