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| Provider | Service type | Compensation |
|---|---|---|
S & T WEALTH TRUST9+ years Service code 21 · EIN 25-1607533 800 PHILADELPHIA STREET · INDIANA, PA 15701 | Bank Trustee | $31,074 |
AMERICAN REALTY ADVISORS9+ years Filed as: AMERICAN PENSION BENEFITS Service code 13 · EIN 25-1722805 115 VIP DRIVE, SUITE 120 · WEXFORD, PA 15090 | Contract Administrator | $25,760 |
Filed as: BUCKLER, MCKENNEY & NADZADI, P.C. Service code 10 · EIN 25-1769537 116 FOX PLAN ROAD · MONROEVILLE, PA 15146 | Accounting | $6,000 |
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 | $106,947 | $70,684+51.3% | $169,390-36.9% | $75,173+42.3% |
| Participation rate | 56.2% | 64.8%-8.6pp | 77.2%-21.0pp | 67.2%-11.0pp |
| Annual return | 14.27% | 36.38%-22.1pp | 406.07%-391.8pp | 160.72%-146.4pp |
| Employer contribution / active EE | $2,080 | $2,211-5.9% | $4,013-48.2% | $2,671-22.1% |
| Participant deferral / active EE | $3,817 | $4,310-11.4% | $6,222-38.7% | $4,126-7.5% |
| Admin fee / account holder | $830 | $5,404-84.6% | $9,015-90.8% | $5,651-85.3% |