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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA INVESTMENT ADVISORS LLC Service code 99 | Other Fees | $11,679 |
CETERA ADVISOR NETWORKS LLC3 years Filed as: CETERA INVESTMENT ADVISERS LLC Service code 99 · EIN 36-3258176 | Other Fees | $0 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $0 |
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.)
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,368 | $65,566-49.1% | $86,235-61.3% | $75,177-55.6% |
| Participation rate | 49.3% | 60.5%-11.2pp | 69.0%-19.7pp | 67.2%-18.0pp |
| Annual return | -33.04% | 46.07%-79.1pp | 1170.03%-1203.1pp | 160.75%-193.8pp |
| Employer contribution / active EE | $2,760 | $1,553+77.7% | $2,381+15.9% | $2,671+3.3% |
| Participant deferral / active EE | $4,398 | $3,023+45.5% | $3,987+10.3% | $4,126+6.6% |
| Admin fee / account holder | $499 | $5,470-90.9% | $6,856-92.7% | $5,651-91.2% |