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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS7 years Filed as: FIRST AMERICAN BANK Service code 21 · EIN 85-0020635 | Bank Trustee | $20,789 |
RETIREMENT DIRECT5 years Filed as: RETIREMENT DIRECT, LLC Service code 15 · EIN 91-2076699 | Recordkeeping | $18,625 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,857 | $54,674-32.6% | $76,089-51.6% | $74,429-50.5% |
| Participation rate | 23.2% | 60.3%-37.1pp | 69.1%-45.9pp | 67.2%-44.0pp |
| Annual return | 10.12% | 31.89%-21.8pp | 360.94%-350.8pp | 1368.38%-1358.3pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $3,157 | $3,071+2.8% | $4,259-25.9% | $4,348-27.4% |
| Admin fee / account holder | $526 | $2,238-76.5% | $6,418-91.8% | $1,944-73.0% |