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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 P.O. BOX 1517 · ALBEMARLE, NC 280021517 | Advisory (Plan) | $15,419 |
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $14,036 |
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 | $30,501 | $61,338-50.3% | $149,717-79.6% | $71,495-57.3% |
| Participation rate | 35.4% | 62.5%-27.1pp | 78.8%-43.3pp | 67.9%-32.5pp |
| Annual return | 8.96% | 35.86%-26.9pp | 134.41%-125.4pp | 28.85%-19.9pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,820-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $848 | $2,919-71.0% | $5,682-85.1% | $4,291-80.2% |
| Admin fee / account holder | $313 | $1,263-75.2% | $13,213-97.6% | $1,588-80.3% |