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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 26 · EIN 35-2552359 5707 SOUTHWEST PARK W · AUSTIN, TX 78735 | Advisory (Participants) | $9,311 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $328 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,645 | $49,451-29.9% | $79,576-56.5% | $66,930-48.2% |
| Participation rate | 18.3% | 61.3%-43.0pp | 69.5%-51.2pp | 69.8%-51.5pp |
| Annual return | -25.11% | 84.25%-109.4pp | 0.15%-25.3pp | 1.57%-26.7pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,607 | $3,159-49.1% | $3,985-59.7% | $4,238-62.1% |
| Admin fee / account holder | $423 | $595-28.9% | $6,834-93.8% | $593-28.8% |