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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $18,925 |
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $6,695 |
GLOBAL RETIREMENT PARTNERS LLC1+ years Service code 27 · EIN 47-1411118 | Advisory (Plan) | $5,498 |
Filed as: MUTUAL OF AMERICA LIFE INSURANCE CO Service code 12 320 PARK AVENUE · NEW YORK, NY 10022 | Participant loan processing; Claims p... | $456 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,643 | $37,117-36.3% | $147,617-84.0% | $55,191-57.2% |
| Participation rate | 37.6% | 63.6%-26.0pp | 84.6%-47.0pp | 69.2%-31.5pp |
| Annual return | 0.33% | 3.44%-3.1pp | 61.98%-61.7pp | 10.78%-10.4pp |
| Employer contribution / active EE | $25 | $1,620-98.4% | $5,564-99.5% | $1,899-98.7% |
| Participant deferral / active EE | $990 | $1,985-50.1% | $4,895-79.8% | $3,046-67.5% |
| Admin fee / account holder | $17 | $86-80.2% | $11,612-99.9% | $91-81.4% |