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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 | $69,774+22.8% | $67,561+26.8% | $74,429+15.1% |
| Participation rate | 70.1% | 71.4%-1.3pp | 72.9%-2.8pp | 67.2%+2.8pp |
| Annual return | 10.92% | -40.53%+51.5pp | 3525.44%-3514.5pp | 1368.38%-1357.5pp |
| Employer contribution / active EE | $5,728 | $2,710+111.4% | $2,735+109.5% | $2,625+118.2% |
| Participant deferral / active EE | $1,963 | $3,636-46.0% | $4,003-51.0% | $4,348-54.9% |
| Admin fee / account holder | $375 | $890-57.8% | $4,006-90.6% | $1,944-80.7% |