Retirement plan

CETERA FINANCIAL GROUP INC. 401(K) SAVINGS PLAN

Name: CETERA FINANCIAL GROUP INC. - CETERA FINANCIAL GROUP INC. 401(K) SAVINGS PLAN (2016) Form 5500
Creator: CETERA FINANCIAL GROUP INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CETERA FINANCIAL GROUP INC. 401(K) SAVINGS PLAN, CETERA FINANCIAL GROUP INC.

CETERA FINANCIAL GROUP INC.EIN 30-0588666Plan #001PY 2016

200 N. SEPULVEDA BLVD., SUITE 1200 - EL SEGUNDO, CA 90245310-257-7863cetera.comLinkedIn1001-5000 employeesfinancial services

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed June 16, 2025 (most recent of 3 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

2301 Rosecrans Ave #5100

El Segundo, CA 90245

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Plans declared (2)

Deferred Compensation Plan for Mutual Fund Investments for Former Employees of Concourse Financial Group Securities, Inc.40 emp
Deferred Compensation Plan for Fund Family and Split Dollar Participants for Former Employees of Concourse Financial Group Securities, Inc.13 emp

Total covered: 53 employees

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Total assets (EOY)

$90M

-44.4% from 2016

Total participants

1,814

-34.8% from 2016

Average account balance

$54,044

-17.4% from 2016

Annual return

67.19%

-64.79 pp from 2016

Benchmarks

See 529 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort529 peers

Snapshot2016

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$386.58M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$106K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

3,656

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

96.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$29.30M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+66.03%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$90

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS2+ years Service code 12 · EIN 13-3689044	Participant communication; Direct pay...	$86,598
SAGEVIEW ADVISORY GROUP, LLC2+ years Service code 27 · EIN 33-0818667	Advisory (Plan)	$20,000
NATIONAL FINANCIAL SERVICES2+ years Service code 33 · EIN 04-3523567	Securities brokerage; Securities brok...	$0

Plan features & details

Pension benefit codes2F2G2J2K2R2T3D3H

Plan features

2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$110K

$79 / participant

Investment mgmt$23K21.1%
Other / not subdivided$87K78.9%

% of EOY assets

0.122%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: SINGER LEWAK
Auditor EIN: 952302617
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$54,044

$80,354-32.7%

$133,975-59.7%

$63,975-15.5%

Participation rate

89.3%

87.5%+1.8pp

87.1%+2.2pp

71.1%+18.2pp

Annual return

67.19%

13.11%+54.1pp

29.29%+37.9pp

48.65%+18.5pp

Employer contribution / active EE

$3,456

$3,503-1.3%

$5,211-33.7%

$2,182+58.4%

Participant deferral / active EE

$6,836

$5,239+30.5%

$6,282+8.8%

$3,356+103.7%

Admin fee / account holder

$66

$69-4.9%

$9,324-99.3%

$70-6.4%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS2+ years

Service code 12 · EIN 13-3689044

Participant communication; Direct pay...

$86,598

SAGEVIEW ADVISORY GROUP, LLC2+ years

Service code 27 · EIN 33-0818667

Advisory (Plan)

$20,000

NATIONAL FINANCIAL SERVICES2+ years

Service code 33 · EIN 04-3523567

Securities brokerage; Securities brok...

CETERA FINANCIAL GROUP INC. 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (2)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CETERA FINANCIAL GROUP INC. 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (2)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion