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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $102,089 |
BAIRD INSURANCE SERVICES INC6 years Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $48,282 |
STOCK YARDS BANK & TRUST9+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $21,333 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $429,834 | $77,908+451.7% | $149,696+187.1% | $75,173+471.8% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 13.08% | 31.73%-18.6pp | 134.46%-121.4pp | 160.72%-147.6pp |
| Employer contribution / active EE | $42,478 | $3,138+1253.8% | $4,821+781.1% | $2,671+1490.4% |
| Participant deferral / active EE | $25,645 | $3,411+651.8% | $5,682+351.3% | $4,126+521.5% |
| Admin fee / account holder | $1,101 | $5,950-81.5% | $13,212-91.7% | $5,651-80.5% |