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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA ADVISOR NETWORK LLC Service code 25 · EIN 95-3845382 | Directed Trustee | $9,780 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $344 |
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 | $43,087 | $65,041-33.8% | $90,965-52.6% | $79,858-46.0% |
| Participation rate | 62.8% | 61.6%+1.2pp | 69.0%-6.2pp | 69.6%-6.8pp |
| Annual return | 27.91% | 30.45%-2.5pp | 134.57%-106.7pp | 31.72%-3.8pp |
| Employer contribution / active EE | $387 | $1,247-68.9% | $2,122-81.7% | $2,471-84.3% |
| Participant deferral / active EE | $991 | $2,512-60.6% | $3,373-70.6% | $3,740-73.5% |
| Admin fee / account holder | $342 | $4,536-92.5% | $5,960-94.3% | $5,306-93.6% |