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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $1,165 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,734 | $64,909+12.1% | $82,312-11.6% | $62,293+16.8% |
| Participation rate | 80.8% | 74.9%+5.9pp | 76.9%+3.9pp | 69.5%+11.3pp |
| Annual return | 10.61% | 21.18%-10.6pp | 25.88%-15.3pp | 28.90%-18.3pp |
| Employer contribution / active EE | $4,898 | $1,676+192.2% | $2,428+101.7% | $2,042+139.8% |
| Participant deferral / active EE | $535 | $3,103-82.8% | $3,706-85.6% | $3,169-83.1% |
| Admin fee / account holder | $340 | $440-22.6% | $5,608-93.9% | $479-29.0% |