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| Provider | Service type | Compensation |
|---|---|---|
RELIANCE TRUST COMPANY6+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $240 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 15 | Recordkeeping | $0 |
Filed as: MASSMUTUAL LIFE INSURANCE COMPANY Service code 15 · EIN 04-1590850 | Recordkeeping | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $24,526 | $58,895-58.4% | $178,503-86.3% | $73,497-66.6% |
| Participation rate | 16.8% | 66.2%-49.4pp | 81.9%-65.1pp | 70.7%-53.9pp |
| Annual return | 14.74% | 24.86%-10.1pp | 151.12%-136.4pp | 28.51%-13.8pp |
| Employer contribution / active EE | $344 | $2,236-84.6% | $5,011-93.1% | $2,270-84.9% |
| Participant deferral / active EE | $661 | $2,567-74.2% | $5,202-87.3% | $3,740-82.3% |
| Admin fee / account holder | $2 | $400-99.4% | $13,987-100.0% | $513-99.5% |