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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN NATIONAL INSURANCE COMPANY Service code 54 · EIN 74-0484030 | Sales Loads | $7,255 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $12,938 | $69,383-81.4% | $101,275-87.2% | $73,497-82.4% |
| Participation rate | 30.6% | 68.4%-37.8pp | 75.8%-45.2pp | 70.7%-40.1pp |
| Annual return | 34.59% | 18.46%+16.1pp | 46.48%-11.9pp | 28.51%+6.1pp |
| Employer contribution / active EE | $0 | $2,628-100.0% | $3,660-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,986 | $3,301-39.8% | $4,371-54.6% | $3,740-46.9% |
| Admin fee / account holder | $122 | $704-82.7% | $5,948-97.9% | $513-76.2% |