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| Provider | Service type | Compensation |
|---|---|---|
GENOVESE BURFORD & BROTHERS1+ years Filed as: GENOVESE BURFORD & BROTHERS LLC Service code 26 · EIN 45-5146130 | Advisory (Participants) | $85,089 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $52,360 |
FIRST MERCANTILE TRUST COMPANY1+ years Service code 15 · EIN 62-0951563 | Recordkeeping | $50,576 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS.CO Service code 60 | Sub-TA Fees | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $186,434 | $70,002+166.3% | $115,037+62.1% | $52,331+256.3% |
| Participation rate | 100.0% | 72.1%+27.9pp | 81.4%+18.6pp | 68.1%+31.9pp |
| Annual return | -1.24% | 4.04%-5.3pp | 26.14%-27.4pp | 4.54%-5.8pp |
| Employer contribution / active EE | $12,776 | $2,715+370.6% | $4,608+177.3% | $1,882+578.9% |
| Participant deferral / active EE | $8,516 | $4,920+73.1% | $6,026+41.3% | $3,022+181.8% |
| Admin fee / account holder | $575 | $566+1.5% | $8,175-93.0% | $592-2.9% |