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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 27 · EIN 35-2552359 | Advisory (Plan) | $25,054 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $21,837 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $108,769 | $88,360+23.1% | $145,433-25.2% | $67,986+60.0% |
| Participation rate | 54.3% | 65.5%-11.1pp | 82.1%-27.8pp | 57.2%-2.9pp |
| Annual return | 23.89% | 63.15%-39.3pp | 66.58%-42.7pp | 31.67%-7.8pp |
| Employer contribution / active EE | $2,495 | $3,054-18.3% | $4,554-45.2% | $2,019+23.6% |
| Participant deferral / active EE | $5,702 | $5,932-3.9% | $7,897-27.8% | $3,358+69.8% |
| Admin fee / account holder | $460 | $3,313-86.1% | $13,129-96.5% | $3,203-85.6% |