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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 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $67,594-58.5% | $77,361-63.7% | $69,733-59.7% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.0%+25.0pp | 62.5%+37.5pp |
| Annual return | 10.26% | 19.20%-8.9pp | 1011.54%-1001.3pp | 15.22%-5.0pp |
| Employer contribution / active EE | $949 | $2,649-64.2% | $2,990-68.3% | $2,250-57.8% |
| Participant deferral / active EE | $1,315 | $3,401-61.4% | $3,911-66.4% | $3,054-57.0% |
| Admin fee / account holder | $512 | $1,159-55.9% | $5,894-91.3% | $3,102-83.5% |