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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC4 years Filed as: CETERA ADVISORS LLC Service code 27 2301 W RIDGEWAY AVE · WATERLOO, IA 50701 | Advisory (Plan) | $15,041 |
HANCOCK & DANA PC2 years Filed as: HANCOCK & DANA, PC Service code 10 · EIN 47-0710889 | Accounting | $11,217 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $4,312 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,864 | $26,549+234.7% | $61,452+44.6% | $66,938+32.8% |
| Participation rate | 16.9% | 38.1%-21.2pp | 52.6%-35.7pp | 69.8%-53.0pp |
| Annual return | -19.62% | -16.21%-3.4pp | 338.96%-358.6pp | 1.58%-21.2pp |
| Employer contribution / active EE | $122 | $651-81.2% | $1,160-89.5% | $2,545-95.2% |
| Participant deferral / active EE | $442 | $1,338-66.9% | $2,125-79.2% | $4,238-89.6% |
| Admin fee / account holder | $492 | $409+20.3% | $2,131-76.9% | $594-17.2% |