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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 26 · EIN 35-2552359 | Advisory (Participants) | $20,637 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $17,353 |
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 | $89,316 | $101,653-12.1% | $147,080-39.3% | $74,459+20.0% |
| Participation rate | 52.3% | 75.6%-23.3pp | 82.2%-29.9pp | 67.2%-15.0pp |
| Annual return | 16.57% | 8754.98%-8738.4pp | 420.17%-403.6pp | 1369.70%-1353.1pp |
| Employer contribution / active EE | $2,437 | $3,813-36.1% | $4,933-50.6% | $2,626-7.2% |
| Participant deferral / active EE | $5,445 | $7,304-25.5% | $8,066-32.5% | $4,350+25.2% |
| Admin fee / account holder | $349 | $1,752-80.1% | $12,989-97.3% | $1,945-82.1% |