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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC3 years Service code 27 · EIN 95-3845382 | Advisory (Plan) | $42,467 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,778 |
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 | $119,794 | $84,493+41.8% | $125,381-4.5% | $66,938+79.0% |
| Participation rate | 81.3% | 76.4%+4.8pp | 82.4%-1.1pp | 69.8%+11.4pp |
| Annual return | -15.33% | -8.49%-6.8pp | 572.31%-587.6pp | 1.58%-16.9pp |
| Employer contribution / active EE | $4,768 | $3,554+34.2% | $4,815-1.0% | $2,545+87.3% |
| Participant deferral / active EE | $10,899 | $6,783+60.7% | $7,448+46.3% | $4,238+157.1% |
| Admin fee / account holder | $390 | $685-43.1% | $10,007-96.1% | $594-34.3% |