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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: GERMAN AMERICAN WEALTH ADVISORY GRO Service code 27 · EIN 20-5480153 | Advisory (Plan) | $10,812 |
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930 | Recordkeeping | $7,964 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $41,073 | $64,176-36.0% | $112,263-63.4% | $66,949-38.7% |
| Participation rate | 26.8% | 68.4%-41.6pp | 75.1%-48.2pp | 69.8%-43.0pp |
| Annual return | -20.19% | -13.80%-6.4pp | 27.49%-47.7pp | 1.57%-21.8pp |
| Employer contribution / active EE | $998 | $3,007-66.8% | $3,636-72.6% | $2,545-60.8% |
| Participant deferral / active EE | $2,178 | $3,694-41.0% | $4,729-53.9% | $4,239-48.6% |
| Admin fee / account holder | $250 | $626-60.0% | $6,410-96.1% | $594-57.8% |