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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA INVESTMENT ADVISORS Service code 99 · EIN 36-3258176 | Other Fees | $939 |
Filed as: BPAS Service code 49 · EIN 16-1616474 | Other Services | $94 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,031 | $29,507-96.5% | $56,025-98.2% | $77,762-98.7% |
| Participation rate | 49.2% | 32.7%+16.5pp | 52.5%-3.3pp | 70.6%-21.4pp |
| Annual return | 13.55% | 18.90%-5.3pp | 1712.69%-1699.1pp | 31.27%-17.7pp |
| Employer contribution / active EE | $0 | $570-100.0% | $1,042-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $97 | $1,062-90.8% | $1,955-95.0% | $4,651-97.9% |
| Admin fee / account holder | $0 | $1,041-100.0% | $2,828-100.0% | $433-100.0% |