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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) | $46,884 |
Service code 37 · EIN 04-2647786 | Loan Processing | $23,626 |
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 | $143,692 | $101,499+41.6% | $147,005-2.3% | $74,546+92.8% |
| Participation rate | 90.4% | 75.5%+14.9pp | 82.2%+8.3pp | 67.2%+23.2pp |
| Annual return | 13.88% | 8732.34%-8718.5pp | 418.76%-404.9pp | 1366.03%-1352.2pp |
| Employer contribution / active EE | $6,151 | $3,811+61.4% | $4,934+24.6% | $2,624+134.4% |
| Participant deferral / active EE | $15,165 | $7,304+107.6% | $8,070+87.9% | $4,347+248.8% |
| Admin fee / account holder | $358 | $1,748-79.5% | $13,006-97.2% | $1,944-81.6% |