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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST RETIREMENT Service code 15 · EIN 42-0114010 855 MAIN STREET 4TH FLOOR · DUBUQUE, IA 52001 | Recordkeeping | $46,150 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $41,419 | $58,093-28.7% | $80,022-48.2% | $56,287-26.4% |
| Participation rate | 94.5% | 73.6%+20.9pp | 75.8%+18.7pp | 69.9%+24.6pp |
| Annual return | -6.91% | 34.63%-41.5pp | 11.22%-18.1pp | -9.96%+3.0pp |
| Employer contribution / active EE | $1,455 | $1,933-24.7% | $2,468-41.1% | $2,111-31.1% |
| Participant deferral / active EE | $2,876 | $3,136-8.3% | $3,686-22.0% | $3,350-14.1% |
| Admin fee / account holder | $388 | $623-37.7% | $6,521-94.1% | $521-25.6% |