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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN PENSION SERVICES, LLC Service code 13 2454 N. MCMULLEN BOOTH ROAD STE 431 · CLEARWATER, FL 33759 | Contract Administrator | $24,469 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,854 | $61,391+8.9% | $149,723-55.3% | $71,529-6.5% |
| Participation rate | 54.3% | 62.5%-8.2pp | 78.8%-24.5pp | 67.9%-13.6pp |
| Annual return | 21.35% | 35.88%-14.5pp | 134.50%-113.1pp | 28.97%-7.6pp |
| Employer contribution / active EE | $2,689 | $2,384+12.8% | $4,821-44.2% | $2,590+3.8% |
| Participant deferral / active EE | $3,178 | $2,921+8.8% | $5,682-44.1% | $4,291-25.9% |
| Admin fee / account holder | $446 | $1,264-64.7% | $13,215-96.6% | $1,588-71.9% |