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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA ADVISOR NEWTWORKS LLC Service code 27 200 N PACIFIC COAST HWY STE 1200 · EL SEGUNDO, CA 90245 | Advisory (Plan) | $11,995 |
ASPERIA INC1 year Service code 13 546 MAIN ST STE 101 · WORCESTER, MA 01608 | Contract Administrator | $3,427 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,913 | $99,957-24.1% | $149,730-49.3% | $73,493+3.3% |
| Participation rate | 42.9% | 75.7%-32.8pp | 82.5%-39.6pp | 70.7%-27.8pp |
| Annual return | 21.57% | 53.87%-32.3pp | 276.70%-255.1pp | 28.51%-6.9pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $4,201 | $6,073-30.8% | $6,843-38.6% | $3,740+12.3% |
| Admin fee / account holder | $150 | $551-72.7% | $9,310-98.4% | $513-70.7% |