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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 | $57,832 |
PARADIGM CONSULTING, INC.10+ years Service code 27 133 BUSINESS PARK DRIVE · UTICA, NY 13502 | Advisory (Plan) | $34,949 |
FUST CHARLES CHAMBERS LLP10+ years Filed as: FUST CHARLES CHAMBERS, LLP Service code 10 · EIN 16-1226221 | Accounting | $10,480 |
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.)
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 | $78,965 | $50,860+55.3% | $155,574-49.2% | $77,714+1.6% |
| Participation rate | 24.7% | 63.1%-38.4pp | 78.2%-53.5pp | 70.6%-45.9pp |
| Annual return | 10.93% | 34.86%-23.9pp | 64.87%-53.9pp | 31.26%-20.3pp |
| Employer contribution / active EE | $361 | $1,991-81.9% | $4,676-92.3% | $2,727-86.8% |
| Participant deferral / active EE | $1,046 | $2,825-63.0% | $5,629-81.4% | $4,649-77.5% |
| Admin fee / account holder | $532 | $436+22.0% | $15,914-96.7% | $433+22.9% |