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| Provider | Service type | Compensation |
|---|---|---|
S & T WEALTH TRUST3+ years Filed as: S&T WEALTH TRUST Service code 21 · EIN 25-1607533 800 PHILADELPHIA STREET · INDIANA, PA 15701 | Bank Trustee | $47,599 |
AMERICAN REALTY ADVISORS3+ years Filed as: AMERICAN PENSION BENEFITS Service code 15 · EIN 25-1722805 115 VIP DRIVE · WEXFORD, PA 15090 | Recordkeeping | $21,119 |
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.)
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 | $79,883 | $51,466+55.2% | $78,778+1.4% | $62,293+28.2% |
| Participation rate | 37.2% | 59.8%-22.6pp | 69.2%-32.0pp | 69.5%-32.3pp |
| Annual return | 14.81% | 19.96%-5.1pp | 35.62%-20.8pp | 28.90%-14.1pp |
| Employer contribution / active EE | $668 | $827-19.2% | $1,986-66.3% | $2,042-67.3% |
| Participant deferral / active EE | $1,919 | $2,147-10.6% | $2,958-35.1% | $3,169-39.4% |
| Admin fee / account holder | $720 | $489+47.0% | $5,134-86.0% | $479+50.1% |