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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ARETE WEALTH ADVISORS, LLC Service code 27 1101 WEST LAKE STREET · CHICAGO, IL 60607 | Advisory (Plan) | $10,316 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $14,519 | $63,314-77.1% | $91,004-84.0% | $62,293-76.7% |
| Participation rate | 75.3% | 73.3%+2.0pp | 75.6%-0.3pp | 69.5%+5.8pp |
| Annual return | 10.80% | 21.00%-10.2pp | 4.60%+6.2pp | 28.90%-18.1pp |
| Employer contribution / active EE | $308 | $1,807-82.9% | $2,456-87.5% | $2,042-84.9% |
| Participant deferral / active EE | $1,470 | $2,944-50.0% | $3,548-58.5% | $3,169-53.6% |
| Admin fee / account holder | $61 | $468-86.8% | $5,417-98.9% | $479-87.2% |