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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC6 years Filed as: CWM, LLC Service code 26 · EIN 95-3845382 13321 CALIFORNIA STREET · OMAHA, NE 68154 | Advisory (Participants) | $12,990 |
PAYCHEX, INC.9 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $12,401 |
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.
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 | $38,157 | $39,766-4.0% | $66,674-42.8% | $71,012-46.3% |
| Participation rate | 15.9% | 47.7%-31.8pp | 73.7%-57.8pp | 58.6%-42.6pp |
| Annual return | 15.79% | 181.39%-165.6pp | 321.24%-305.4pp | 37.67%-21.9pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,620-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $667 | $1,868-64.3% | $4,084-83.7% | $3,246-79.5% |
| Admin fee / account holder | $244 | $1,097-77.8% | $5,098-95.2% | $1,167-79.1% |