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| Provider | Service type | Compensation |
|---|---|---|
CFS INVESTMENT ADVISORY SERVICES10+ years Service code 26 97 LACKAWANNA AVENUE · TOTOWA, NJ 07512 | Advisory (Participants) | $41,534 |
Filed as: JOHN HANCOCK RETIREMENT PLAN SERVIC Service code 51 · EIN 01-0233346 | Investment Mgmt Fees | $25,409 |
PRIME CAPITAL INVESTMENT ADVISORS10+ years Filed as: PRIME PENSIONS, INC. Service code 13 · EIN 46-1224594 25B VREELAND ROAD - SUITE 209 · FLORHAM PARK, NJ 07932 | Contract Administrator | $13,426 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,655 | $69,745+22.8% | $67,511+26.9% | $74,546+14.9% |
| Participation rate | 70.1% | 71.3%-1.3pp | 72.9%-2.8pp | 67.2%+2.8pp |
| Annual return | 10.92% | -40.37%+51.3pp | 3517.41%-3506.5pp | 1366.03%-1355.1pp |
| Employer contribution / active EE | $5,728 | $2,705+111.8% | $2,733+109.6% | $2,624+118.3% |
| Participant deferral / active EE | $1,963 | $3,636-46.0% | $4,000-50.9% | $4,347-54.9% |
| Admin fee / account holder | $375 | $894-58.0% | $3,999-90.6% | $1,944-80.7% |