Filed July 12, 2004
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC - RPCP Service code 26 · EIN 04-3046611 | Advisory (Participants) | $21,136 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK LIFE INS COMPANY OF NY Service code 15 · EIN 13-3646501 | Recordkeeping | $9,270 |
CITIZENS & NORTHERN BANK4 years Service code 26 · EIN 24-0756925 | Advisory (Participants) | $8,417 |
CETERA ADVISOR NETWORKS LLC3 years Filed as: CETERA INVESTMENT ADVISORS LLC Service code 26 · EIN 36-3258176 | Advisory (Participants) | $4,116 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $39,251 | $50,919-22.9% | $155,556-74.8% | $77,762-49.5% |
| Participation rate | 69.8% | 63.1%+6.7pp | 78.2%-8.5pp | 70.6%-0.8pp |
| Annual return | 12.19% | 34.84%-22.6pp | 64.84%-52.6pp | 31.27%-19.1pp |
| Employer contribution / active EE | $1,943 | $1,991-2.4% | $4,675-58.4% | $2,728-28.8% |
| Participant deferral / active EE | $969 | $2,824-65.7% | $5,631-82.8% | $4,651-79.2% |
| Admin fee / account holder | $240 | $437-45.0% | $15,885-98.5% | $433-44.5% |