Filed October 15, 2018
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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC1+ years Filed as: CETERA INVESTMENT SERVICES LLC Service code 71 · EIN 41-1483314 | Brokerage Fees | $0 |
FIRST MERCANTILE TRUST COMPANY1+ years Service code 28 · EIN 62-0951563 57 GERMANTOWN COURT · CORDOVA, TN 38018 | Investment Management | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $50,730 | $46,360+9.4% | $147,618-65.6% | $52,331-3.1% |
| Participation rate | 48.1% | 64.9%-16.8pp | 84.6%-36.5pp | 68.1%-20.0pp |
| Annual return | -2.53% | 1.62%-4.1pp | 61.98%-64.5pp | 4.54%-7.1pp |
| Employer contribution / active EE | $832 | $2,126-60.9% | $5,565-85.1% | $1,882-55.8% |
| Participant deferral / active EE | $1,987 | $2,258-12.0% | $4,895-59.4% | $3,022-34.3% |
| Admin fee / account holder | $0 | $766-100.0% | $11,612-100.0% | $592-100.0% |