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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4+ years Filed as: AMERICAN NORTHWEST ADVISORY SERVICE Service code 27 · EIN 91-1998294 | Advisory (Plan) | $26,240 |
AMERICAN REALTY ADVISORS4+ years Filed as: AMERICAN NORTHWEST RPS Service code 15 · EIN 91-2165154 | Recordkeeping | $9,945 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $41,013 | $55,449-26.0% | $83,831-51.1% | $56,289-27.1% |
| Participation rate | 54.1% | 68.0%-13.9pp | 76.1%-22.0pp | 69.9%-15.7pp |
| Annual return | -5.00% | -1.38%-3.6pp | 850.99%-856.0pp | -9.96%+5.0pp |
| Employer contribution / active EE | $1,186 | $2,430-51.2% | $3,631-67.3% | $2,111-43.8% |
| Participant deferral / active EE | $2,720 | $2,935-7.3% | $4,082-33.4% | $3,350-18.8% |
| Admin fee / account holder | $343 | $656-47.7% | $5,479-93.7% | $521-34.2% |