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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES1 year Filed as: EDWARD JONES & CO Service code 55 · EIN 43-0345811 | Other Commissions | $12,293 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $3,605 |
Service code 28 · EIN 61-1732930 | Investment Management | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $15,870 | $23,224-31.7% | $71,086-77.7% | $55,725-71.5% |
| Participation rate | 38.9% | 37.9%+1.1pp | 54.7%-15.7pp | 70.9%-31.9pp |
| Annual return | -4.25% | -2.87%-1.4pp | 650.59%-654.8pp | 244.93%-249.2pp |
| Employer contribution / active EE | $525 | $436+20.4% | $1,088-51.7% | $2,078-74.7% |
| Participant deferral / active EE | $941 | $929+1.3% | $1,874-49.8% | $3,356-72.0% |
| Admin fee / account holder | $98 | $118-16.8% | $3,082-96.8% | $115-14.8% |