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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $82,805 |
Service code 27 · EIN 20-4751585 | Advisory (Plan) | $15,000 |
ADP BROKER-DEALER4+ years Filed as: PENSION CONSULTANTS, INC. Service code 13 · EIN 06-1504963 | Contract Administrator | $7,224 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $16,483 | $45,382-63.7% | $154,108-89.3% | $75,289-78.1% |
| Participation rate | 32.7% | 65.9%-33.2pp | 83.0%-50.4pp | 72.4%-39.7pp |
| Annual return | -6.30% | -0.47%-5.8pp | 735.21%-741.5pp | -0.04%-6.3pp |
| Employer contribution / active EE | $30 | $1,533-98.1% | $5,298-99.4% | $2,405-98.8% |
| Participant deferral / active EE | $863 | $2,384-63.8% | $5,081-83.0% | $3,739-76.9% |
| Admin fee / account holder | $142 | $89+59.2% | $13,411-98.9% | $102+39.0% |