Filed January 20, 1993
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 61-1381380 2353 ALEXANDRIA DRIVE, SUITE 100 · LEXINGTON, VA 40504 | Recordkeeping | $29,132 |
Filed as: MASS MUTUAL LIFE INSURANCE Service code 51 · EIN 04-2746212 | Investment Mgmt Fees | $17,173 |
HCI-EBS, INC.6 years Service code 15 · EIN 52-2061078 424 GRAVES MILL ROAD, SUITE 300 · LYNCHBURG, VA 24502 | Recordkeeping | $8,860 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $46,901 | $68,880-31.9% | $120,580-61.1% | $80,959-42.1% |
| Participation rate | 94.8% | 61.7%+33.1pp | 72.0%+22.9pp | 67.7%+27.2pp |
| Annual return | 10.10% | 23.68%-13.6pp | 107.48%-97.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,307 | $2,066-36.7% | $3,469-62.3% | $2,757-52.6% |
| Participant deferral / active EE | $3,371 | $3,191+5.7% | $4,995-32.5% | $4,300-21.6% |
| Admin fee / account holder | $418 | $5,785-92.8% | $9,418-95.6% | $6,925-94.0% |