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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $179,099 |
MICHAEL F. YATES & COMPANY, INC.9+ years Filed as: MICHAEL T. STELTER & ASSOCIATES Service code 27 5090 STATE STREET, SUITE D200 · SAGINAW, MI 48603 | Advisory (Plan) | $111,353 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $49,164 | $44,626+10.2% | $86,216-43.0% | $80,157-38.7% |
| Participation rate | 77.2% | 63.5%+13.7pp | 69.0%+8.2pp | 72.9%+4.3pp |
| Annual return | 16.18% | 19.61%-3.4pp | 1169.42%-1153.2pp | 40.39%-24.2pp |
| Employer contribution / active EE | $1,641 | $1,099+49.4% | $2,382-31.1% | $2,977-44.9% |
| Participant deferral / active EE | $4,412 | $2,769+59.4% | $3,986+10.7% | $5,015-12.0% |
| Admin fee / account holder | $134 | $133+0.8% | $6,853-98.0% | $145-7.4% |