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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 61-1256314 | Recordkeeping | $35,448 |
RATHER & KITTRELL, INC.5 years Filed as: RATHER & KITTRELL Service code 26 · EIN 91-2046298 | Advisory (Participants) | $25,000 |
Service code 13 · EIN 62-1757444 | Contract Administrator | $800 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,247 | $91,424-19.9% | $135,942-46.1% | $71,495+2.5% |
| Participation rate | 85.2% | 75.7%+9.5pp | 81.9%+3.3pp | 67.9%+17.3pp |
| Annual return | 14.33% | 29.90%-15.6pp | 68.28%-53.9pp | 28.85%-14.5pp |
| Employer contribution / active EE | $1,928 | $3,704-48.0% | $4,858-60.3% | $2,589-25.6% |
| Participant deferral / active EE | $5,485 | $7,092-22.7% | $7,759-29.3% | $4,291+27.8% |
| Admin fee / account holder | $417 | $1,266-67.1% | $10,764-96.1% | $1,588-73.8% |