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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $70,539 |
Service code 27 4355 CORAL PARK DRIVE · BRUNSWICK, GA 31520 | Advisory (Plan) | $65,799 |
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.
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 | $148,719 | $62,146+139.3% | $81,438+82.6% | $74,546+99.5% |
| Participation rate | 98.7% | 64.1%+34.6pp | 69.5%+29.1pp | 67.2%+31.4pp |
| Annual return | 10.60% | 16.49%-5.9pp | 24.74%-14.1pp | 1366.03%-1355.4pp |
| Employer contribution / active EE | $13,071 | $1,883+594.2% | $2,460+431.3% | $2,624+398.1% |
| Participant deferral / active EE | $7,556 | $3,229+134.0% | $3,883+94.6% | $4,347+73.8% |
| Admin fee / account holder | $668 | $1,922-65.2% | $5,764-88.4% | $1,944-65.6% |