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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC5 years Filed as: CETERA INVESTMENT SERVICES LLC Service code 27 400 FIRST ST SOUTH STE 1200 · ST CLOUD, MN 56301 | Advisory (Plan) | $29,986 |
Filed as: CETERA RETIREMENT PLAN SPECIALISTS Service code 13 PO BOX 303 · SAINT CLOUD, MN 56302 | Contract Administrator | $16,299 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $7,731 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,859 | $58,312-26.5% | $86,656-50.5% | $71,529-40.1% |
| Participation rate | 59.0% | 65.0%-6.1pp | 71.7%-12.7pp | 67.9%-9.0pp |
| Annual return | 18.66% | 24.08%-5.4pp | 593.09%-574.4pp | 28.97%-10.3pp |
| Employer contribution / active EE | $1,900 | $2,576-26.3% | $3,025-37.2% | $2,590-26.7% |
| Participant deferral / active EE | $4,860 | $3,439+41.3% | $4,439+9.5% | $4,291+13.3% |
| Admin fee / account holder | $252 | $1,057-76.1% | $5,619-95.5% | $1,588-84.1% |