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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 62-0951563 | Recordkeeping | $71,322 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,818 | $101,539-51.9% | $147,041-66.8% | $74,400-34.4% |
| Participation rate | 62.5% | 75.5%-13.0pp | 82.2%-19.7pp | 67.2%-4.7pp |
| Annual return | 21.09% | 8740.84%-8719.8pp | 419.21%-398.1pp | 1367.51%-1346.4pp |
| Employer contribution / active EE | $784 | $3,811-79.4% | $4,935-84.1% | $2,624-70.1% |
| Participant deferral / active EE | $6,499 | $7,304-11.0% | $8,071-19.5% | $4,348+49.5% |
| Admin fee / account holder | $394 | $1,749-77.5% | $13,006-97.0% | $1,944-79.7% |