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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 | $16,689 |
NOVEM GROUP2 years Service code 27 350 LINDEN OAKS · ROCHESTER, NY 14625 | Advisory (Plan) | $5,672 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,460 | $86,692-74.1% | $119,634-81.2% | $66,949-66.5% |
| Participation rate | 37.0% | 75.6%-38.5pp | 79.3%-42.2pp | 69.8%-32.8pp |
| Annual return | -16.61% | -8.00%-8.6pp | -14.98%-1.6pp | 1.57%-18.2pp |
| Employer contribution / active EE | $0 | $2,536-100.0% | $4,232-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,638 | $4,360-62.4% | $5,601-70.8% | $4,239-61.4% |
| Admin fee / account holder | $349 | $755-53.7% | $10,329-96.6% | $594-41.1% |