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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN PENSION SERVICES, LLC Service code 17 2454 MCMULLEN BOOTH ROAD. SUITE 431 · CLEARWATER, FL 33759 | Pension Consulting | $805,730 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $55,688 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC - RPCP Service code 26 · EIN 04-3046611 | Advisory (Participants) | $0 |
Filed as: ONEDIGITAL INVESTMENTS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $0 |
Filed as: RAYMOND JAMES & ASSOCIATES Service code 26 · EIN 59-1237041 | Advisory (Participants) | $0 |
Service code 26 · EIN 82-4516448 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,203 | $152,104-81.5% | $184,256-84.7% | $106,553-73.5% |
| Participation rate | 15.2% | 85.9%-70.6pp | 86.8%-71.6pp | 69.8%-54.6pp |
| Annual return | -49.45% | 20.70%-70.2pp | 28.85%-78.3pp | 17.37%-66.8pp |
| Employer contribution / active EE | $700 | $5,326-86.9% | $6,427-89.1% | $3,359-79.2% |
| Participant deferral / active EE | $1,365 | $8,559-84.0% | $9,133-85.1% | $5,562-75.5% |
| Admin fee / account holder | $333 | $103+224.2% | $13,899-97.6% | $80+317.6% |