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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST RETIREMENT Service code 15 895 MAIN STREET · DUBUQUE, IA 520040938 | Recordkeeping | $37,928 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $68,207 | $58,093+17.4% | $80,022-14.8% | $56,287+21.2% |
| Participation rate | 80.8% | 73.6%+7.2pp | 75.8%+5.0pp | 69.9%+11.0pp |
| Annual return | -6.05% | 34.63%-40.7pp | 11.22%-17.3pp | -9.96%+3.9pp |
| Employer contribution / active EE | $685 | $1,933-64.6% | $2,468-72.2% | $2,111-67.6% |
| Participant deferral / active EE | $2,010 | $3,136-35.9% | $3,686-45.5% | $3,350-40.0% |
| Admin fee / account holder | $348 | $623-44.1% | $6,521-94.7% | $521-33.2% |