Filed January 18, 2023
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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS5+ years Filed as: AMERICAN TRUST RETIREMENT Service code 15 855 MAIN ST · DUBUQUE, IA 520040938 | Recordkeeping | $14,337 |
EIDE BAILLY LLP5+ years Service code 10 · EIN 45-0250958 | Accounting | $9,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,658 | $72,486-34.3% | $87,103-45.3% | $72,976-34.7% |
| Participation rate | 61.8% | 72.8%-11.0pp | 76.9%-15.0pp | 69.5%-7.6pp |
| Annual return | 16.22% | 24.46%-8.2pp | 28.19%-12.0pp | 81.02%-64.8pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,146 | $3,270-65.0% | $4,049-71.7% | $3,608-68.2% |
| Admin fee / account holder | $411 | $5,055-91.9% | $7,491-94.5% | $5,124-92.0% |