Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 27 · EIN 36-3258176 | Advisory (Plan) | $12,428 |
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,256 |
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.
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 | $42,044 | $50,919-17.4% | $155,556-73.0% | $77,762-45.9% |
| Participation rate | 42.3% | 63.1%-20.8pp | 78.2%-35.9pp | 70.6%-28.3pp |
| Annual return | 11.50% | 34.84%-23.3pp | 64.84%-53.3pp | 31.27%-19.8pp |
| Employer contribution / active EE | $174 | $1,991-91.2% | $4,675-96.3% | $2,728-93.6% |
| Participant deferral / active EE | $2,240 | $2,824-20.7% | $5,631-60.2% | $4,651-51.8% |
| Admin fee / account holder | $33 | $437-92.3% | $15,885-99.8% | $433-92.3% |