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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $1,710 |
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.
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 | $63,232 | $56,197+12.5% | $67,652-6.5% | $59,633+6.0% |
| Participation rate | 57.3% | 71.5%-14.2pp | 75.7%-18.4pp | 68.7%-11.4pp |
| Annual return | 1.36% | 18508.10%-18506.7pp | 6625.40%-6624.0pp | 2041.45%-2040.1pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,334 | $2,844-53.1% | $3,560-62.5% | $3,192-58.2% |
| Admin fee / account holder | $26 | $3,958-99.3% | $4,821-99.5% | $4,297-99.4% |