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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: FIRST AMERICAN BANK Service code 15 · EIN 36-1078850 | Recordkeeping | $2,616 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $39,781 | $59,191-32.8% | $76,767-48.2% | $56,289-29.3% |
| Participation rate | 66.7% | 75.2%-8.6pp | 77.0%-10.3pp | 69.9%-3.2pp |
| Annual return | -6.91% | 6.62%-13.5pp | 2.43%-9.3pp | -9.96%+3.0pp |
| Employer contribution / active EE | $1,988 | $1,759+13.1% | $2,485-20.0% | $2,111-5.8% |
| Participant deferral / active EE | $3,081 | $3,255-5.4% | $3,852-20.0% | $3,350-8.0% |
| Admin fee / account holder | $28 | $489-94.3% | $6,675-99.6% | $521-94.6% |