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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC5 years Filed as: CETERA INVESTMENT ADVISORS Service code 99 · EIN 36-3258176 | Other Fees | $28,988 |
Filed as: RETIREMENT PLAN CONCEPTS & SERVICES Service code 49 10319 DAWSONS CREEK BLVD, STE A · FORT WAYNE, IN 46825 | Other Services | $6,050 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $107,703 | $59,467+81.1% | $93,727+14.9% | $74,478+44.6% |
| Participation rate | 68.7% | 59.6%+9.1pp | 68.7%0pp | 67.2%+1.5pp |
| Annual return | 14.46% | 82.14%-67.7pp | 133.83%-119.4pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $1,882 | $1,267+48.5% | $2,421-22.3% | $2,626-28.4% |
| Participant deferral / active EE | $5,083 | $3,052+66.6% | $4,417+15.1% | $4,350+16.8% |
| Admin fee / account holder | $444 | $3,028-85.4% | $8,292-94.7% | $1,946-77.2% |