Filed September 4, 2025 (most recent of 3 filings on file)
Total covered: 2 employees
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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $146,980 |
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,479 | $50,815+103.6% | $155,509-33.5% | $77,643+33.3% |
| Participation rate | 97.5% | 63.1%+34.4pp | 78.2%+19.3pp | 70.6%+26.9pp |
| Annual return | 13.45% | 34.80%-21.4pp | 64.67%-51.2pp | 31.24%-17.8pp |
| Employer contribution / active EE | $3,616 | $1,993+81.5% | $4,672-22.6% | $2,726+32.7% |
| Participant deferral / active EE | $6,319 | $2,822+123.9% | $5,626+12.3% | $4,647+36.0% |
| Admin fee / account holder | $358 | $437-17.9% | $15,912-97.7% | $430-16.7% |