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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $94,472 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $124 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,168 | $88,186-28.4% | $165,071-61.7% | $74,459-15.2% |
| Participation rate | 83.8% | 73.1%+10.6pp | 78.6%+5.1pp | 67.2%+16.5pp |
| Annual return | 10.98% | 17.13%-6.2pp | 70.17%-59.2pp | 1369.70%-1358.7pp |
| Employer contribution / active EE | $4,297 | $2,600+65.2% | $4,347-1.2% | $2,626+63.6% |
| Participant deferral / active EE | $2,279 | $4,505-49.4% | $6,035-62.2% | $4,350-47.6% |
| Admin fee / account holder | $397 | $2,234-82.3% | $12,695-96.9% | $1,945-79.6% |