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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.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,655 | $69,763+22.8% | $67,502+26.9% | $74,495+15.0% |
| Participation rate | 70.1% | 71.4%-1.3pp | 72.9%-2.8pp | 67.2%+2.9pp |
| Annual return | 10.92% | -40.34%+51.3pp | 3512.12%-3501.2pp | 1364.94%-1354.0pp |
| Employer contribution / active EE | $5,728 | $2,704+111.8% | $2,731+109.8% | $2,623+118.4% |
| Participant deferral / active EE | $1,963 | $3,636-46.0% | $4,000-50.9% | $4,346-54.8% |
| Admin fee / account holder | $375 | $896-58.1% | $3,998-90.6% | $1,942-80.7% |