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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.
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 | $46,464-20.8% | $150,298-75.5% | $79,634-53.8% |
| Participation rate | 35.3% | 57.0%-21.7pp | 77.8%-42.5pp | 62.5%-27.2pp |
| Annual return | 9.46% | 27.89%-18.4pp | 62.79%-53.3pp | 36.46%-27.0pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $895 | $2,157-58.5% | $5,453-83.6% | $3,835-76.7% |
| Admin fee / account holder | $349 | $891-60.8% | $14,116-97.5% | $1,002-65.1% |