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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 | $65,084-56.9% | $67,681-58.5% | $64,340-56.4% |
| Participation rate | 100.0% | 66.7%+33.3pp | 73.7%+26.3pp | 55.2%+44.8pp |
| Annual return | 10.26% | 20.50%-10.2pp | 590.58%-580.3pp | 24.14%-13.9pp |
| Employer contribution / active EE | $949 | $2,398-60.4% | $2,678-64.6% | $1,862-49.0% |
| Participant deferral / active EE | $1,315 | $3,210-59.1% | $3,976-66.9% | $2,980-55.9% |
| Admin fee / account holder | $512 | $1,415-63.8% | $6,100-91.6% | $3,703-86.2% |