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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $68,289 |
Service code 27 · EIN 20-4751585 | Advisory (Plan) | $9,375 |
ADP BROKER-DEALER3+ years Filed as: PENSION CONSULTANTS, INC. Service code 13 · EIN 06-1504963 | Contract Administrator | $2,714 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,530 | $44,989-69.9% | $170,435-92.1% | $77,958-82.6% |
| Participation rate | 30.3% | 64.6%-34.3pp | 83.6%-53.3pp | 71.6%-41.4pp |
| Annual return | 18.27% | 19.61%-1.3pp | 205.94%-187.7pp | 20.87%-2.6pp |
| Employer contribution / active EE | $6 | $1,466-99.6% | $5,432-99.9% | $2,310-99.7% |
| Participant deferral / active EE | $724 | $2,208-67.2% | $4,939-85.3% | $3,537-79.5% |
| Admin fee / account holder | $94 | $69+36.0% | $13,881-99.3% | $97-3.7% |