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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $58,557 |
Service code 49 · EIN 36-3429599 | Other Services | $26 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,324 | $54,573-11.5% | $90,970-46.9% | $73,497-34.2% |
| Participation rate | 93.2% | 61.2%+32.0pp | 69.0%+24.1pp | 70.7%+22.5pp |
| Annual return | 13.75% | 16.69%-2.9pp | 134.60%-120.8pp | 28.51%-14.8pp |
| Employer contribution / active EE | $3,345 | $991+237.4% | $2,122+57.6% | $2,270+47.3% |
| Participant deferral / active EE | $5,335 | $2,517+112.0% | $3,373+58.2% | $3,740+42.7% |
| Admin fee / account holder | $433 | $521-16.9% | $5,961-92.7% | $513-15.5% |