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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $55,822 |
PARADIGM CONSULTING, INC.8+ years Service code 27 133 BUSINESS PARK DRIVE · UTICA, NY 13502 | Advisory (Plan) | $36,254 |
FUST CHARLES CHAMBERS LLP8+ years Filed as: FUST CHARLES CHAMBERS, LLP Service code 10 · EIN 16-1226221 | Accounting | $9,410 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,130 | $46,332+44.9% | $143,797-53.3% | $64,824+3.6% |
| Participation rate | 25.8% | 64.2%-38.5pp | 80.3%-54.6pp | 71.5%-45.7pp |
| Annual return | -11.05% | -10.05%-1.0pp | -0.04%-11.0pp | 32.84%-43.9pp |
| Employer contribution / active EE | $366 | $1,911-80.9% | $4,952-92.6% | $2,507-85.4% |
| Participant deferral / active EE | $1,056 | $2,647-60.1% | $5,638-81.3% | $4,311-75.5% |
| Admin fee / account holder | $505 | $154+228.2% | $14,679-96.6% | $188+168.8% |