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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC3 years Filed as: CWM LLC Service code 27 · EIN 27-4011107 | Advisory (Plan) | $67,212 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $26,612 |
NOVA 401(K) ASSOCIATES1 year Service code 15 · EIN 20-1181458 | Recordkeeping | $1,875 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,088 | $86,655-19.1% | $119,622-41.4% | $66,938+4.7% |
| Participation rate | 81.1% | 75.6%+5.6pp | 79.3%+1.9pp | 69.8%+11.3pp |
| Annual return | -13.65% | -8.00%-5.7pp | -14.98%+1.3pp | 1.58%-15.2pp |
| Employer contribution / active EE | $1,968 | $2,536-22.4% | $4,232-53.5% | $2,545-22.7% |
| Participant deferral / active EE | $4,354 | $4,358-0.1% | $5,601-22.3% | $4,238+2.7% |
| Admin fee / account holder | $556 | $755-26.3% | $10,328-94.6% | $594-6.3% |