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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN NATIONAL INSURANCE COMPANY Service code 15 · EIN 74-0484030 | Recordkeeping | $21,205 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,398 | $63,471-93.1% | $68,808-93.6% | $66,938-93.4% |
| Participation rate | 44.4% | 60.0%-15.6pp | 69.0%-24.6pp | 69.8%-25.4pp |
| Annual return | -18.49% | -8.29%-10.2pp | -6.37%-12.1pp | 1.58%-20.1pp |
| Employer contribution / active EE | $0 | $1,776-100.0% | $2,656-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,145 | $2,946-61.2% | $3,942-71.0% | $4,238-73.0% |
| Admin fee / account holder | $65 | $578-88.8% | $4,936-98.7% | $594-89.1% |