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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) | $10,115 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $2,946 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,212 | $59,467-17.2% | $93,727-47.5% | $74,478-33.9% |
| Participation rate | 42.9% | 59.6%-16.8pp | 68.7%-25.9pp | 67.2%-24.4pp |
| Annual return | 11.61% | 82.14%-70.5pp | 133.83%-122.2pp | 1370.56%-1359.0pp |
| Employer contribution / active EE | $493 | $1,267-61.1% | $2,421-79.6% | $2,626-81.2% |
| Participant deferral / active EE | $707 | $3,052-76.8% | $4,417-84.0% | $4,350-83.8% |
| Admin fee / account holder | $341 | $3,028-88.7% | $8,292-95.9% | $1,946-82.5% |