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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Service code 55 200 N SEPULVEDA BLVD STE 1200 · EL SEGUNDO, CA 90245 | Other Commissions | $23,448 |
Service code 49 PO BOX 54 · FRANKLIN SQ, NY 11010 | Other Services | $5,323 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $85,246 | $77,920+9.4% | $149,723-43.1% | $75,177+13.4% |
| Participation rate | 97.8% | 65.6%+32.3pp | 78.8%+19.1pp | 67.2%+30.6pp |
| Annual return | 16.22% | 31.72%-15.5pp | 134.50%-118.3pp | 160.75%-144.5pp |
| Employer contribution / active EE | $7,642 | $3,138+143.5% | $4,821+58.5% | $2,671+186.1% |
| Participant deferral / active EE | $4,655 | $3,411+36.4% | $5,682-18.1% | $4,126+12.8% |
| Admin fee / account holder | $314 | $5,951-94.7% | $13,215-97.6% | $5,651-94.4% |