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MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Defined Benefit and Defined Contribution

Recordkeeping Operations System

Background
MassMutual is a provider of defined contribution, defined benefit, and nonqualified deferred compensation
retirement products and services for corporate, union, Professional Employer Organizations (PEO),
nonprofit and governmental customers across the United States. MassMutual offers a full range of products
and services – from plan administration to customer communications – designed to simplify a complex
business. Solutions are provided through retirement plan professionals, consultants, and third-party
administrators. MassMutual has three primary service models:
DC full service investment and recordkeeping for profit sharing, money purchase, 401(k), 457
governmental and 403(b) plans.

DC investment and/or recordkeeping for 401(k) plans administered by Third-Party Administrators
®
(TPA). Controls associated with the services provided by TPAs are not part of this SOC 1 report
examination.
DB services for traditional plans and nontraditional plans such as cash balance plans and floor
offset arrangements. The variety of services offered includes actuarial valuation, benefit
calculation, and payment, consulting services and Form 5500 preparation.
MassMutual’s performance reflects a combination of more than 65 years of experience, investment
management expertise, and innovative technology with personalized services. It offers a full range of
products and services for corporate, union, nonprofit and governmental employers' defined benefit, defined
contribution and nonqualified deferred compensation plans. It serves approximately 2.6 million participants.
Communication with customers and participants is essential. Participants seek to better understand their
retirement plans and capabilities, and plan sponsors and retirement professionals seek to be better
informed about regulatory issues and ways they can help participants prepare for retirement. MassMutual
is committed to developing and delivering results-driven communications that are designed to meet the
needs of all of its customers.

MassMutual Defined Benefit and Defined Description of the System Provided by
Contribution Recordkeeping Operations System MassMutual
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