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| Provider | Service type | Compensation |
|---|---|---|
PFG ADVISORS, LLC3 years Service code 26 · EIN 47-2483769 3200 N. CENTRAL AVE. · PHOENIX, AZ 85012 | Advisory (Participants) | $32,285 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $710 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $28,079 | $64,705-56.6% | $62,929-55.4% | $67,986-58.7% |
| Participation rate | 100.0% | 65.6%+34.4pp | 73.1%+26.9pp | 57.2%+42.8pp |
| Annual return | 10.26% | 20.31%-10.1pp | 1063.93%-1053.7pp | 31.67%-21.4pp |
| Employer contribution / active EE | $949 | $2,376-60.1% | $2,505-62.1% | $2,019-53.0% |
| Participant deferral / active EE | $1,315 | $3,198-58.9% | $3,888-66.2% | $3,358-60.9% |
| Admin fee / account holder | $512 | $1,428-64.2% | $5,065-89.9% | $3,203-84.0% |