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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Filed as: CETERA INVESTMENT ADVISORS LLC Service code 27 · EIN 36-3258176 | Advisory (Plan) | $32,340 |
Service code 37 · EIN 04-2647786 | Loan Processing | $30,393 |
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.)
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 | $75,738 | $89,093-15.0% | $102,434-26.1% | $77,736-2.6% |
| Participation rate | 42.9% | 80.9%-38.0pp | 76.5%-33.6pp | 70.6%-27.7pp |
| Annual return | 14.75% | 25.03%-10.3pp | 29.46%-14.7pp | 31.26%-16.5pp |
| Employer contribution / active EE | $1,712 | $2,699-36.6% | $3,023-43.4% | $2,728-37.3% |
| Participant deferral / active EE | $2,942 | $5,147-42.8% | $5,055-41.8% | $4,651-36.7% |
| Admin fee / account holder | $322 | $236+36.3% | $9,462-96.6% | $433-25.8% |