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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC4+ years Filed as: CETERA ADVISOR NETWORKS, LLC Service code 27 · EIN 95-3845382 | Advisory (Plan) | $29,183 |
WITHUMSMITH+BROWN, PC4+ years Filed as: BROWN, CHISM Service code 10 · EIN 81-4498561 | Accounting | $12,000 |
PASI, LLC4+ years Service code 17 · EIN 26-1407927 | Pension Consulting | $9,700 |
Filed as: FIDELITY INVESTMENTS INST'L OPER. Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $2,300 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $44,194 | $42,367+4.3% | $79,583-44.5% | $64,824-31.8% |
| Participation rate | 56.9% | 64.7%-7.8pp | 69.5%-12.6pp | 71.5%-14.5pp |
| Annual return | -18.59% | -12.24%-6.3pp | 0.16%-18.7pp | 32.84%-51.4pp |
| Employer contribution / active EE | $2,632 | $1,181+123.0% | $2,414+9.1% | $2,507+5.0% |
| Participant deferral / active EE | $3,561 | $3,168+12.4% | $3,986-10.7% | $4,311-17.4% |
| Admin fee / account holder | $263 | $160+65.0% | $6,835-96.1% | $188+40.2% |