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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC3+ years Service code 15 · EIN 95-3845382 | Recordkeeping | $10,964 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $7,668 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $31,072 | $46,297-32.9% | $71,671-56.6% | $62,293-50.1% |
| Participation rate | 47.8% | 60.6%-12.9pp | 68.7%-21.0pp | 69.5%-21.7pp |
| Annual return | 12.70% | 22.32%-9.6pp | 20.65%-8.0pp | 28.90%-16.2pp |
| Employer contribution / active EE | $628 | $1,412-55.5% | $2,460-74.5% | $2,042-69.3% |
| Participant deferral / active EE | $1,632 | $2,235-27.0% | $3,438-52.5% | $3,169-48.5% |
| Admin fee / account holder | $178 | $461-61.4% | $5,558-96.8% | $479-62.9% |