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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN PENSION SERVICES, LLC Service code 13 2454 N. MCMULLEN BOOTH ROAD STE 431 · CLEARWATER, FL 33759 | Contract Administrator | $9,717 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $170 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,490 | $65,125-5.6% | $143,797-57.2% | $66,949-8.2% |
| Participation rate | 97.7% | 65.2%+32.5pp | 80.3%+17.4pp | 69.8%+27.9pp |
| Annual return | -18.83% | -11.13%-7.7pp | -0.04%-18.8pp | 1.57%-20.4pp |
| Employer contribution / active EE | $2,571 | $2,362+8.8% | $4,952-48.1% | $2,545+1.0% |
| Participant deferral / active EE | $4,700 | $2,920+61.0% | $5,638-16.6% | $4,239+10.9% |
| Admin fee / account holder | $1,799 | $503+257.8% | $14,679-87.7% | $594+203.0% |