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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1+ years Filed as: AMERICAN TRUST RETIREMENT Service code 15 895 MAIN STREET · DUBUQUE, IA 520040938 | Recordkeeping | $47,856 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $34,645 | $46,360-25.3% | $147,617-76.5% | $52,331-33.8% |
| Participation rate | 65.4% | 64.9%+0.5pp | 84.6%-19.2pp | 68.1%-2.7pp |
| Annual return | 0.83% | 1.62%-0.8pp | 61.98%-61.2pp | 4.54%-3.7pp |
| Employer contribution / active EE | $1,028 | $2,126-51.7% | $5,564-81.5% | $1,882-45.4% |
| Participant deferral / active EE | $2,030 | $2,258-10.1% | $4,895-58.5% | $3,022-32.8% |
| Admin fee / account holder | $307 | $766-59.9% | $11,612-97.4% | $592-48.1% |