Plan Snapshot
- Plan Sponsor: Cetera Financial Group, INC.
- Sponsor EIN: 300588666
- Sponsor Address: 2301 ROSECRANS AVENUE SUITE 5100, EL SEGUNDO, CA, 90245
- Plan Type: 401(k)
- Plan Number: 001
- Total Participants: 3,822
- Total Assets: $471.3M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 3,822 | $471.3M | $0 | $0 |
| 2024 | 3,070 | $386.6M | $7.7M | $21.6M |
| 2023 | 2,096 | $229.5M | $14.1M | $16.9M |
| 2022 | 1,835 | $174.5M | $3.4M | $14.6M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | Other Service Provider | $415,708 | — | $415,708 |
| EMPOWER ADVISORY GROUP, LLC | Other Service Provider | $136,208 | — | $136,208 |
| SAGEVIEW ADVISORY GROUP LLC | Other Service Provider | $112,753 | — | $112,753 |
| BAKER TILLY US LLP | Other Service Provider | $29,400 | — | $29,400 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $694,069
- Estimated Expense Ratio: 0.147% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $38,674,672 | $248,961 | — | $33,345 | — |
| 2024 | $330,803 | $85,910 | — | — | — |
| 2023 | $367,391 | $101,631 | — | $23,706 | — |
| 2022 | $300,175 | $75,482 | $197,514 | — | $27,179 |