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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC4 years Filed as: CETERA INVESTMENT SERVICES LLC Service code 27 400 FIRST ST SOUTH STE 1200 · ST CLOUD, MN 56301 | Advisory (Plan) | $27,546 |
CETERA ADVISOR NETWORKS LLC4 years Filed as: CETERA RETIREMENT PLAN Service code 13 2125 OAK GROVE RD STE 105 · WALNUT CREEK, CA 94598 | Contract Administrator | $18,761 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERV Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $6,429 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $33,216 | $51,197-35.1% | $82,726-59.8% | $66,923-50.4% |
| Participation rate | 63.5% | 67.8%-4.4pp | 72.6%-9.1pp | 69.8%-6.4pp |
| Annual return | -10.19% | -9.64%-0.6pp | 701.33%-711.5pp | 1.58%-11.8pp |
| Employer contribution / active EE | $1,450 | $2,611-44.5% | $3,009-51.8% | $2,545-43.0% |
| Participant deferral / active EE | $3,677 | $3,458+6.3% | $4,394-16.3% | $4,237-13.2% |
| Admin fee / account holder | $240 | $416-42.3% | $5,328-95.5% | $593-59.6% |