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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES LLC Service code 26 · EIN 35-2552359 | Advisory (Participants) | $31,668 |
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 62-0951563 | Recordkeeping | $10,855 |
ASCENSUS LLC1 year Filed as: MAP RETIREMENT USA LLC Service code 15 · EIN 86-3678481 | Recordkeeping | $1,600 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,498 | $76,669-27.6% | $96,520-42.5% | $71,495-22.4% |
| Participation rate | 46.0% | 66.6%-20.6pp | 74.3%-28.3pp | 67.9%-21.9pp |
| Annual return | 16.64% | 48.29%-31.7pp | 35.72%-19.1pp | 28.85%-12.2pp |
| Employer contribution / active EE | $1,580 | $3,031-47.9% | $3,739-57.8% | $2,589-39.0% |
| Participant deferral / active EE | $2,790 | $3,771-26.0% | $4,879-42.8% | $4,291-35.0% |
| Admin fee / account holder | $322 | $2,028-84.1% | $6,733-95.2% | $1,588-79.7% |