Retirement plan

CETERA FINANCIAL GROUP, INC. 401(K) SAVINGS PLAN

Name: CETERA FINANCIAL GROUP, INC. - CETERA FINANCIAL GROUP, INC. 401(K) SAVINGS PLAN (2021) 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 2021

200 N. SEPULVEDA BLVD. SUITE 1200 - EL SEGUNDO, CA 90245310-257-5557cetera.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

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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)

$199.6M

-44.4% from 2016

Total participants

2,158

-34.8% from 2016

Average account balance

$95,102

-17.4% from 2016

Annual return

18.16%

-64.79 pp from 2016

Benchmarks

See 543 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort543 peers

Snapshot2021

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 4 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE5 years Service code 15 · EIN 84-0467907	Recordkeeping	$194,665
SAGEVIEW ADVISORY GROUP, LLC5 years Filed as: SAGEVIEW ADVISORY GROUP LLC Service code 27 · EIN 33-0818667	Advisory (Plan)	$50,000
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: ADVISED ASSETS GROUP, LLC Service code 26 · EIN 84-1532243	Advisory (Participants)	$38,309
SINGERLEWAK LLP5 years Filed as: SINGER LEWAK LLP Service code 10 · EIN 95-2302617	Accounting	$17,058

Plan features & details

Pension benefit codes2F2G2J2K2T3D3H

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.
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

$301K

$173 / participant

Investment mgmt$88K29.4%
Other / not subdivided$212K70.6%

% of EOY assets

0.151%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$95,102

$118,337-19.6%

$189,534-49.8%

$93,010+2.2%

Participation rate

96.6%

89.1%+7.5pp

87.8%+8.8pp

73.9%+22.7pp

Annual return

18.16%

21.77%-3.6pp

555.39%-537.2pp

158.70%-140.5pp

Employer contribution / active EE

$2,219

$4,204-47.2%

$6,162-64.0%

$2,705-18.0%

Participant deferral / active EE

$7,102

$7,123-0.3%

$8,220-13.6%

$4,561+55.7%

Admin fee / account holder

$143

$100+43.7%

$12,049-98.8%

$152-5.6%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE5 years

Service code 15 · EIN 84-0467907

Recordkeeping

$194,665

SAGEVIEW ADVISORY GROUP, LLC5 years

Filed as: SAGEVIEW ADVISORY GROUP LLC

Service code 27 · EIN 33-0818667

Advisory (Plan)

$50,000

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: ADVISED ASSETS GROUP, LLC

Service code 26 · EIN 84-1532243

Advisory (Participants)

$38,309

SINGERLEWAK LLP5 years

Filed as: SINGER LEWAK LLP

Service code 10 · EIN 95-2302617

Accounting

$17,058

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