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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $105,791 |
BAIRD INSURANCE SERVICES INC5 years Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $50,127 |
Service code 10 · EIN 61-1064249 | Accounting | $10,800 |
STOCK YARDS BANK & TRUST8+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $9,656 |
COMMONWEALTH FINANCIAL NETWORK8+ years Filed as: COMMONWEALTH BANK & TRUST COMPANY Service code 26 4350 BROWNSBORO ROAD, SUITE 210 · LOUISVILLE, KY 40207 | Advisory (Participants) | $7,524 |
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 | $473,986 | $65,092+628.2% | $143,799+229.6% | $66,938+608.1% |
| Participation rate | 100.0% | 65.2%+34.8pp | 80.3%+19.7pp | 69.8%+30.2pp |
| Annual return | -13.54% | -11.14%-2.4pp | -0.04%-13.5pp | 1.58%-15.1pp |
| Employer contribution / active EE | $28,752 | $2,362+1117.5% | $4,952+480.6% | $2,545+1029.6% |
| Participant deferral / active EE | $18,218 | $2,920+523.8% | $5,638+223.1% | $4,238+329.8% |
| Admin fee / account holder | $1,135 | $502+125.9% | $14,677-92.3% | $594+91.3% |