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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC5 years Filed as: CETERA ADVISOR NETWORK LLC Service code 26 · EIN 95-3845382 | Advisory (Participants) | $74,024 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $922 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,438 | $54,245+70.4% | $93,727-1.4% | $77,762+18.9% |
| Participation rate | 46.1% | 63.9%-17.9pp | 68.7%-22.7pp | 70.6%-24.5pp |
| Annual return | 17.35% | 30.58%-13.2pp | 133.83%-116.5pp | 31.27%-13.9pp |
| Employer contribution / active EE | $978 | $1,168-16.2% | $2,421-59.6% | $2,728-64.1% |
| Participant deferral / active EE | $1,204 | $3,144-61.7% | $4,417-72.7% | $4,651-74.1% |
| Admin fee / account holder | $558 | $575-3.0% | $8,292-93.3% | $433+28.9% |