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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $76,803 |
FIDUCIENT ADVISORS LLC2 years Filed as: FIDUCIENT ADVISORS Service code 26 · EIN 20-4751585 | Advisory (Participants) | $16,246 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSUR CO Service code 50 · EIN 04-1590850 | Direct Payment | $12,158 |
ADP BROKER-DEALER8+ years Filed as: PENSION CONSULTANTS, INC. Service code 13 · EIN 06-1504963 | Contract Administrator | $9,380 |
Filed as: EMPOWER ANNUITY INSURANCE CO OF AM Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Recordkeeping Fees | $516 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,079 | $45,000-46.5% | $143,757-83.3% | $77,904-69.1% |
| Participation rate | 27.2% | 66.8%-39.6pp | 80.3%-53.1pp | 73.7%-46.5pp |
| Annual return | -14.70% | 29.03%-43.7pp | -0.04%-14.7pp | 12.21%-26.9pp |
| Employer contribution / active EE | $218 | $1,870-88.4% | $4,951-95.6% | $2,848-92.4% |
| Participant deferral / active EE | $1,132 | $3,157-64.1% | $5,637-79.9% | $4,806-76.4% |
| Admin fee / account holder | $158 | $98+60.7% | $14,673-98.9% | $133+19.4% |