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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST COMPANY Service code 15 855 MAIN STREET, 4TH FLOOR · DUBUQUE, IA 52001 | Recordkeeping | $6,456 |
Filed as: FLEXIBLE PLAN - INVEST MANAGEMENT Service code 16 3883 TELEGRAPH ROAD · BLOOMFIELD HILLS, MI 48302 | Consulting | $6,025 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $46,221 | $111,608-58.6% | $177,848-74.0% | $73,412-37.0% |
| Participation rate | 5.8% | 87.9%-82.1pp | 87.7%-81.9pp | 72.2%-66.4pp |
| Annual return | 15.12% | 18.23%-3.1pp | 48.33%-33.2pp | 59.30%-44.2pp |
| Employer contribution / active EE | $67 | $3,796-98.2% | $5,919-98.9% | $2,234-97.0% |
| Participant deferral / active EE | $378 | $6,199-93.9% | $7,714-95.1% | $3,806-90.1% |
| Admin fee / account holder | $446 | $166+169.2% | $12,431-96.4% | $158+182.3% |