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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 P.O. BOX 1517 · ALBEMARLE, NC 280021517 | Advisory (Plan) | $19,651 |
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $14,927 |
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.
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 | $36,802 | $38,165-3.6% | $189,758-80.6% | $69,255-46.9% |
| Participation rate | 35.3% | 66.7%-31.4pp | 79.8%-44.5pp | 69.0%-33.7pp |
| Annual return | 9.46% | 14.65%-5.2pp | 52.62%-43.2pp | 26.73%-17.3pp |
| Employer contribution / active EE | $0 | $1,589-100.0% | $4,767-100.0% | $2,645-100.0% |
| Participant deferral / active EE | $895 | $2,073-56.8% | $5,856-84.7% | $2,890-69.0% |
| Admin fee / account holder | $349 | $714-51.1% | $20,388-98.3% | $733-52.3% |