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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSUR CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $73,774 |
LPL FINANCIAL3+ years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $31,424 |
SUEMORI & INOUYE, INC.3+ years Service code 64 · EIN 99-0242337 | Recordkeeping Fees | $20,882 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $105,215 | $51,466+104.4% | $78,778+33.6% | $62,293+68.9% |
| Participation rate | 68.7% | 59.8%+8.9pp | 69.2%-0.5pp | 69.5%-0.8pp |
| Annual return | 12.54% | 19.96%-7.4pp | 35.62%-23.1pp | 28.90%-16.4pp |
| Employer contribution / active EE | $783 | $827-5.3% | $1,986-60.6% | $2,042-61.6% |
| Participant deferral / active EE | $3,050 | $2,147+42.0% | $2,958+3.1% | $3,169-3.8% |
| Admin fee / account holder | $414 | $489-15.3% | $5,134-91.9% | $479-13.5% |