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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $106,102 |
BAIRD INSURANCE SERVICES INC7 years Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $43,110 |
STOCK YARDS BANK & TRUST10+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $24,822 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $498,562 | $81,358+512.8% | $155,556+220.5% | $80,959+515.8% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 16.60% | 33.39%-16.8pp | 64.84%-48.2pp | 35.67%-19.1pp |
| Employer contribution / active EE | $35,303 | $3,106+1036.5% | $4,675+655.1% | $2,757+1180.4% |
| Participant deferral / active EE | $22,269 | $3,455+544.5% | $5,631+295.5% | $4,300+417.8% |
| Admin fee / account holder | $1,243 | $7,994-84.4% | $15,885-92.2% | $6,925-82.0% |