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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 | $88,137-28.3% | $164,975-61.7% | $74,429-15.1% |
| Participation rate | 83.8% | 73.1%+10.6pp | 78.6%+5.1pp | 67.2%+16.5pp |
| Annual return | 10.98% | 17.13%-6.2pp | 70.12%-59.1pp | 1368.38%-1357.4pp |
| Employer contribution / active EE | $4,297 | $2,597+65.4% | $4,343-1.1% | $2,625+63.7% |
| Participant deferral / active EE | $2,279 | $4,501-49.4% | $6,033-62.2% | $4,348-47.6% |
| Admin fee / account holder | $397 | $2,231-82.2% | $12,688-96.9% | $1,944-79.6% |