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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Service code 27 · EIN 95-3845382 | Advisory (Plan) | $12,739 |
Filed as: THE ROSE FINANCIAL GROUP, LLC Service code 13 · EIN 35-2130755 | Contract Administrator | $8,829 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $4,358 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,244 | $99,957-35.7% | $149,730-57.1% | $73,493-12.6% |
| Participation rate | 69.5% | 75.7%-6.2pp | 82.5%-13.0pp | 70.7%-1.2pp |
| Annual return | 12.91% | 53.87%-41.0pp | 276.70%-263.8pp | 28.51%-15.6pp |
| Employer contribution / active EE | $1,004 | $3,191-68.5% | $4,645-78.4% | $2,270-55.8% |
| Participant deferral / active EE | $2,901 | $6,073-52.2% | $6,843-57.6% | $3,740-22.4% |
| Admin fee / account holder | $163 | $551-70.5% | $9,310-98.3% | $513-68.3% |