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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS5 years Filed as: AMERICAN NATIONAL INSURANCE COMPANY Service code 15 · EIN 74-0484030 | Recordkeeping | $14,323 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $5,481 | $51,166-89.3% | $70,544-92.2% | $71,511-92.3% |
| Participation rate | 45.6% | 59.4%-13.8pp | 68.4%-22.7pp | 67.9%-22.3pp |
| Annual return | 15.26% | 42.71%-27.5pp | 32.79%-17.5pp | 28.86%-13.6pp |
| Employer contribution / active EE | $0 | $1,793-100.0% | $2,976-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,096 | $3,031-63.8% | $4,568-76.0% | $4,291-74.4% |
| Admin fee / account holder | $43 | $2,000-97.9% | $6,427-99.3% | $1,588-97.3% |