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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $179,748 |
BAIRD INSURANCE SERVICES INC4 years Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $49,513 |
COMMONWEALTH FINANCIAL NETWORK7+ years Filed as: COMMONWEALTH BANK & TRUST COMPANY Service code 26 4350 BROWNSBORO ROAD, SUITE 210 · LOUISVILLE, KY 40207 | Advisory (Participants) | $13,710 |
Service code 10 · EIN 61-1064249 | Accounting | $10,300 |
STOCK YARDS BANK & TRUST7+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $4,231 |
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 | $568,573 | $61,166+829.6% | $185,849+205.9% | $79,391+616.2% |
| Participation rate | 100.0% | 66.6%+33.4pp | 81.7%+18.3pp | 70.7%+29.3pp |
| Annual return | 15.21% | 19.45%-4.2pp | 122.10%-106.9pp | 116.88%-101.7pp |
| Employer contribution / active EE | $30,245 | $2,321+1203.1% | $5,169+485.2% | $2,428+1145.7% |
| Participant deferral / active EE | $18,167 | $2,789+551.4% | $5,569+226.2% | $4,046+349.0% |
| Admin fee / account holder | $1,630 | $710+129.6% | $16,244-90.0% | $627+160.1% |