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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $691 |
Service code 27 · EIN 36-3429599 | Advisory (Plan) | $22 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $40,928 | $42,546-3.8% | $71,796-43.0% | $55,167-25.8% |
| Participation rate | 43.8% | 59.1%-15.3pp | 69.1%-25.3pp | 69.0%-25.1pp |
| Annual return | 6.34% | 12.36%-6.0pp | 78.04%-71.7pp | 169.23%-162.9pp |
| Employer contribution / active EE | $1,842 | $803+129.3% | $1,924-4.3% | $1,963-6.2% |
| Participant deferral / active EE | $2,542 | $2,064+23.1% | $2,794-9.0% | $3,054-16.8% |
| Admin fee / account holder | $7 | $650-98.9% | $4,815-99.9% | $504-98.6% |