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| Provider | Service type | Compensation |
|---|---|---|
S & T WEALTH TRUST1+ years Filed as: S&T WEALTH TRUST Service code 21 · EIN 25-1607533 800 PHILADELPHIA STREET · INDIANA, PA 15701 | Bank Trustee | $33,570 |
AMERICAN REALTY ADVISORS1+ years Filed as: AMERICAN PENSION BENEFITS Service code 15 · EIN 25-1722805 115 VIP DRIVE · WEXFORD, PA 15090 | Recordkeeping | $17,355 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $65,286 | $39,245+66.4% | $64,105+1.8% | $52,331+24.8% |
| Participation rate | 32.6% | 58.2%-25.6pp | 68.2%-35.6pp | 68.1%-35.5pp |
| Annual return | -4.78% | 14.79%-19.6pp | 791.24%-796.0pp | 4.54%-9.3pp |
| Employer contribution / active EE | $682 | $736-7.4% | $1,820-62.5% | $1,882-63.8% |
| Participant deferral / active EE | $1,748 | $1,992-12.2% | $2,822-38.1% | $3,022-42.2% |
| Admin fee / account holder | $582 | $592-1.8% | $4,499-87.1% | $592-1.7% |