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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $14,042 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 49 · EIN 13-5674085 | Other Services | $5,840 |
Filed as: MESIROW FINANCIAL INVESTMENT Service code 49 · EIN 36-3429599 | Other Services | $26 |
Filed as: MERRILL LYNCH LIFE AGENCY Service code 49 · EIN 13-2808480 | Other Services | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $48,004 | $65,027-26.2% | $90,970-47.2% | $79,852-39.9% |
| Participation rate | 81.8% | 61.6%+20.2pp | 69.0%+12.8pp | 69.6%+12.2pp |
| Annual return | 11.48% | 30.45%-19.0pp | 134.58%-123.1pp | 31.72%-20.2pp |
| Employer contribution / active EE | $909 | $1,247-27.1% | $2,122-57.2% | $2,471-63.2% |
| Participant deferral / active EE | $1,778 | $2,512-29.2% | $3,373-47.3% | $3,740-52.5% |
| Admin fee / account holder | $385 | $4,535-91.5% | $5,960-93.5% | $5,306-92.7% |