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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN PENSION SERVICES, LLC Service code 13 2454 N. MCMULLEN BOOTH ROAD STE 431 · CLEARWATER, FL 33759 | Contract Administrator | $31,701 |
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.)
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 | $78,352 | $50,860+54.1% | $155,574-49.6% | $77,714+0.8% |
| Participation rate | 53.8% | 63.1%-9.3pp | 78.2%-24.4pp | 70.6%-16.8pp |
| Annual return | 14.59% | 34.86%-20.3pp | 64.87%-50.3pp | 31.26%-16.7pp |
| Employer contribution / active EE | $1,846 | $1,991-7.3% | $4,676-60.5% | $2,727-32.3% |
| Participant deferral / active EE | $3,386 | $2,825+19.9% | $5,629-39.9% | $4,649-27.2% |
| Admin fee / account holder | $542 | $436+24.2% | $15,914-96.6% | $433+25.1% |