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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $2,379 |
RELIANCE TRUST COMPANY5+ years Service code 25 · EIN 58-1428634 | Directed Trustee | $325 |
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.
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 | $52,714 | $62,002-15.0% | $93,621-43.7% | - |
| Participation rate | 40.2% | 71.3%-31.2pp | 75.8%-35.7pp | - |
| Annual return | 17.34% | 20.75%-3.4pp | 32.76%-15.4pp | - |
| Employer contribution / active EE | $856 | $1,327-35.5% | $2,719-68.5% | - |
| Participant deferral / active EE | $1,593 | $2,563-37.9% | $4,070-60.9% | - |
| Admin fee / account holder | $100 | $6,149-98.4% | $7,890-98.7% | - |