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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2+ years Filed as: AMERICAN PENSIONS Service code 15 · EIN 57-0219408 | Recordkeeping | $72,677 |
SMITH SAPP BOOKHOUT CRUMPLER2+ years Service code 10 · EIN 57-0801130 | Accounting | $8,750 |
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.)
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $179,922 | $46,732+285.0% | $156,551+14.9% | $55,167+226.1% |
| Participation rate | 61.8% | 65.8%-4.0pp | 84.0%-22.2pp | 69.0%-7.2pp |
| Annual return | 21.37% | 17.72%+3.7pp | 32.23%-10.9pp | 169.23%-147.9pp |
| Employer contribution / active EE | $5,763 | $2,105+173.8% | $5,501+4.8% | $1,963+193.7% |
| Participant deferral / active EE | $4,748 | $2,204+115.4% | $4,871-2.5% | $3,054+55.5% |
| Admin fee / account holder | $791 | $418+89.0% | $13,028-93.9% | $504+56.9% |