The role of an advisor is not to beat the bench mark indexes, it's great if they do, but it's not their purpose.
Their purpose is to provide educated access to a wide variety of financial products designed for different people and situations, to help investors come up with detailed long and short term plans taking into account all factors that may impact them, to help individuals transition smoothly into retirement, and most importantly to guide their clients and help make sure they aren't making major mistakes out of ignorance or emotion which will harm their finances.
The myRA is an undiversified platform which offers access to a single US Treasury security. The security offers a variable rate of return, and uses calculation projections using an interest rate of 2.5%.