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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3+ years Filed as: AMERICAN TRUST & SAVINGS BANK Service code 15 895 MAIN STREET · DUBUQUE, IA 520040938 | Recordkeeping | $91,273 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $85,384 | $48,064+77.6% | $78,778+8.4% | $69,631+22.6% |
| Participation rate | 76.1% | 61.6%+14.6pp | 69.2%+6.9pp | 70.7%+5.4pp |
| Annual return | 13.21% | 21.81%-8.6pp | 35.62%-22.4pp | 27571.02%-27557.8pp |
| Employer contribution / active EE | $2,486 | $744+234.4% | $1,986+25.2% | $2,032+22.3% |
| Participant deferral / active EE | $2,394 | $2,079+15.1% | $2,958-19.1% | $3,224-25.7% |
| Admin fee / account holder | $352 | $152+131.9% | $5,134-93.1% | $110+219.1% |