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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS LLC Service code 26 · EIN 81-4473358 | Advisory (Participants) | $50,528 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $2,050 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,568 | $55,437+47.1% | $155,534-47.6% | $74,459+9.5% |
| Participation rate | 89.5% | 61.9%+27.6pp | 78.2%+11.3pp | 67.2%+22.3pp |
| Annual return | 13.25% | 269.58%-256.3pp | 64.92%-51.7pp | 1369.70%-1356.5pp |
| Employer contribution / active EE | $6,433 | $2,266+183.9% | $4,675+37.6% | $2,626+145.0% |
| Participant deferral / active EE | $8,370 | $2,837+195.0% | $5,630+48.7% | $4,350+92.4% |
| Admin fee / account holder | $519 | $1,742-70.2% | $15,900-96.7% | $1,945-73.3% |