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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC1+ years Service code 27 · EIN 04-2647786 | Advisory (Plan) | $37,732 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,994 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $146,415 | $46,360+215.8% | $147,617-0.8% | $52,331+179.8% |
| Participation rate | 91.8% | 64.9%+26.8pp | 84.6%+7.2pp | 68.1%+23.7pp |
| Annual return | -1.08% | 1.62%-2.7pp | 61.98%-63.1pp | 4.54%-5.6pp |
| Employer contribution / active EE | $7,375 | $2,126+246.8% | $5,564+32.5% | $1,882+291.9% |
| Participant deferral / active EE | $4,721 | $2,258+109.1% | $4,895-3.6% | $3,022+56.2% |
| Admin fee / account holder | $324 | $766-57.7% | $11,612-97.2% | $592-45.3% |