Filed January 15, 2021 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 20-1090152 | Advisory (Participants) | $26,910 |
TREE CITY ADVISORS2 years Service code 26 · EIN 47-4292326 | Advisory (Participants) | $20,944 |
Service code 15 · EIN 35-0145825 | Recordkeeping | $16,960 |
AMERICAN REALTY ADVISORS4+ years Filed as: AMERICAN UNIFED LIFE INSURANCE CO Service code 52 | Indirect Investment Fees | $2,053 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $48,316 | $62,267-22.4% | $110,243-56.2% | $55,725-13.3% |
| Participation rate | 56.5% | 78.1%-21.7pp | 79.8%-23.4pp | 70.9%-14.4pp |
| Annual return | -6.48% | -1.07%-5.4pp | 314.76%-321.2pp | 244.93%-251.4pp |
| Employer contribution / active EE | $539 | $1,941-72.3% | $3,827-85.9% | $2,078-74.1% |
| Participant deferral / active EE | $1,831 | $3,516-47.9% | $4,672-60.8% | $3,356-45.4% |
| Admin fee / account holder | $313 | $121+159.2% | $8,548-96.3% | $115+172.1% |