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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Filed as: CETERA ADVISORS LLC Service code 15 · EIN 84-0858799 200 N. PACIFIC COAST HWY · EL SEGUNDO, CA 90245 | Recordkeeping | $27,837 |
PAYCHEX, INC.3 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $8,749 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,494 | $69,477-46.0% | $94,679-60.4% | $71,495-47.6% |
| Participation rate | 69.6% | 78.4%-8.8pp | 80.8%-11.2pp | 67.9%+1.7pp |
| Annual return | 16.02% | 29.66%-13.6pp | 156.75%-140.7pp | 28.85%-12.8pp |
| Employer contribution / active EE | $442 | $2,853-84.5% | $3,673-88.0% | $2,589-82.9% |
| Participant deferral / active EE | $4,209 | $7,345-42.7% | $7,417-43.3% | $4,291-1.9% |
| Admin fee / account holder | $316 | $1,210-73.9% | $7,233-95.6% | $1,588-80.1% |