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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 ST, 4TH FLOOR · DUBUQUE, IA 52001 | Recordkeeping | $14,697 |
Filed as: TWO RIVERS BANK & TRUST Service code 16 222 N MAIN ST · BURLINGTON, IA 52601 | Consulting | $6,133 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,765 | $23,224-58.0% | $71,086-86.3% | $55,725-82.5% |
| Participation rate | 14.1% | 37.9%-23.8pp | 54.7%-40.5pp | 70.9%-56.7pp |
| Annual return | 199.73% | -2.87%+202.6pp | 650.59%-450.9pp | 244.93%-45.2pp |
| Employer contribution / active EE | $237 | $436-45.7% | $1,088-78.2% | $2,078-88.6% |
| Participant deferral / active EE | $423 | $929-54.4% | $1,874-77.4% | $3,356-87.4% |
| Admin fee / account holder | $134 | $118+13.2% | $3,082-95.7% | $115+15.9% |