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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $10,172 |
Filed as: MESIROW Service code 18 · EIN 36-3429599 | Custodial (other than securities); In... | $18 |
MORNINGSTAR1+ years Service code 49 · EIN 36-4317381 | Other Services | $15 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $27,281 | $45,283-39.8% | $155,789-82.5% | $52,331-47.9% |
| Participation rate | 64.8% | 62.2%+2.6pp | 76.1%-11.3pp | 68.1%-3.3pp |
| Annual return | -3.01% | 1.80%-4.8pp | 71.54%-74.5pp | 4.54%-7.5pp |
| Employer contribution / active EE | $633 | $1,329-52.3% | $3,839-83.5% | $1,882-66.3% |
| Participant deferral / active EE | $2,166 | $2,854-24.1% | $4,798-54.9% | $3,022-28.3% |
| Admin fee / account holder | $102 | $981-89.6% | $7,477-98.6% | $592-82.7% |