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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 60-0951563 | Contract Administrator | $7,216 |
STIFEL NICOLAUS & CO INC6 years Filed as: STIFEL INVESTMENT SERVICES Service code 26 · EIN 43-1273600 | Advisory (Participants) | $3,073 |
FUND DIRECT ADVISORS6 years Service code 26 · EIN 27-3584365 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $14,728 | $27,800-47.0% | $58,507-74.8% | $71,529-79.4% |
| Participation rate | 41.8% | 34.6%+7.2pp | 50.9%-9.1pp | 67.9%-26.1pp |
| Annual return | 13.45% | 26.80%-13.4pp | 4252.32%-4238.9pp | 28.97%-15.5pp |
| Employer contribution / active EE | $58 | $632-90.7% | $1,053-94.4% | $2,590-97.7% |
| Participant deferral / active EE | $734 | $1,208-39.2% | $1,922-61.8% | $4,291-82.9% |
| Admin fee / account holder | $63 | $1,637-96.2% | $2,486-97.5% | $1,588-96.1% |