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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS5 years Filed as: AMERICAN NATIONAL INSURANCE COMPANY Service code 54 · EIN 74-0484030 | Sales Loads | $14,260 |
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.
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 | $13,757 | $93,010-85.2% | $96,515-85.7% | $74,460-81.5% |
| Participation rate | 30.0% | 71.6%-41.6pp | 74.3%-44.4pp | 70.7%-40.8pp |
| Annual return | 17.57% | 37.50%-19.9pp | 35.73%-18.2pp | 34.38%-16.8pp |
| Employer contribution / active EE | $0 | $3,427-100.0% | $3,740-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,505 | $3,971-62.1% | $4,880-69.2% | $4,530-66.8% |
| Admin fee / account holder | $82 | $633-87.1% | $6,735-98.8% | $348-76.5% |