Filed October 1, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $45,179 |
Filed as: CETERA ADVISORS, LLC Service code 22 · EIN 84-0858799 | Insurance Broker | $13,401 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $22,134 | $62,928-64.8% | $172,753-87.2% | $67,582-67.2% |
| Participation rate | 44.2% | 64.5%-20.3pp | 82.6%-38.5pp | 71.3%-27.1pp |
| Annual return | 7.74% | 30.36%-22.6pp | 803.00%-795.3pp | 378.57%-370.8pp |
| Employer contribution / active EE | $641 | $1,636-60.8% | $5,144-87.5% | $2,148-70.1% |
| Participant deferral / active EE | $783 | $2,145-63.5% | $5,198-84.9% | $3,539-77.9% |
| Admin fee / account holder | $129 | $167-22.8% | $13,956-99.1% | $142-9.5% |