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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 62-0951563 | Recordkeeping | $20,015 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $51,067 | $65,566-22.1% | $86,235-40.8% | $75,177-32.1% |
| Participation rate | 64.5% | 60.5%+4.0pp | 69.0%-4.4pp | 67.2%-2.7pp |
| Annual return | 14.77% | 46.07%-31.3pp | 1170.03%-1155.3pp | 160.75%-146.0pp |
| Employer contribution / active EE | $2,300 | $1,553+48.1% | $2,381-3.4% | $2,671-13.9% |
| Participant deferral / active EE | $5,326 | $3,023+76.2% | $3,987+33.6% | $4,126+29.1% |
| Admin fee / account holder | $184 | $5,470-96.6% | $6,856-97.3% | $5,651-96.8% |