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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Filed as: CWM, LLC Service code 27 · EIN 27-4011107 | Advisory (Plan) | $11,395 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $9,592 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $27,585 | $86,949-68.3% | $102,460-73.1% | $80,959-65.9% |
| Participation rate | 82.2% | 72.4%+9.8pp | 76.5%+5.7pp | 67.7%+14.5pp |
| Annual return | 12.82% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,026 | $2,370-56.7% | $3,025-66.1% | $2,757-62.8% |
| Participant deferral / active EE | $3,470 | $4,121-15.8% | $5,056-31.4% | $4,300-19.3% |
| Admin fee / account holder | $233 | $8,048-97.1% | $9,460-97.5% | $6,925-96.6% |