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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 | $8,076 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING, INC. Service code 27 · EIN 43-1270780 5440 W 110TH STREET · OVERLAND, AZ 66211 | Advisory (Plan) | $1,560 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,235 | $84,458-79.6% | $102,184-83.1% | $64,340-73.2% |
| Participation rate | 23.8% | 74.2%-50.4pp | 82.6%-58.8pp | 55.2%-31.5pp |
| Annual return | 15.05% | 45.73%-30.7pp | 31.58%-16.5pp | 24.14%-9.1pp |
| Employer contribution / active EE | $252 | $2,412-89.5% | $3,594-93.0% | $1,862-86.5% |
| Participant deferral / active EE | $601 | $6,208-90.3% | $8,309-92.8% | $2,980-79.8% |
| Admin fee / account holder | $344 | $2,926-88.2% | $11,609-97.0% | $3,703-90.7% |