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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST CENTER Service code 15 · EIN 45-0436653 401 N 4TH STREET · BISMARCK, ND 58501 | Recordkeeping | $39,758 |
PLANNINGTEAM, INC.3 years Filed as: PLANNINGTEAM, INC Service code 26 · EIN 45-0450545 320 N 4TH STREET · BISMARCK, ND 58501 | Advisory (Participants) | $23,707 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $131,093 | $58,888+122.6% | $178,499-26.6% | $73,493+78.4% |
| Participation rate | 91.3% | 66.2%+25.0pp | 81.9%+9.3pp | 70.7%+20.6pp |
| Annual return | 21.15% | 24.86%-3.7pp | 151.10%-130.0pp | 28.51%-7.4pp |
| Employer contribution / active EE | $6,404 | $2,236+186.4% | $5,011+27.8% | $2,270+182.1% |
| Participant deferral / active EE | $5,324 | $2,568+107.3% | $5,202+2.3% | $3,740+42.4% |
| Admin fee / account holder | $469 | $400+17.1% | $13,986-96.6% | $513-8.6% |