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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS5+ years Filed as: AMERICAN NORTHWEST ADVISORY SERVICE Service code 27 · EIN 91-1998294 | Advisory (Plan) | $28,451 |
AMERICAN REALTY ADVISORS5+ years Filed as: AMERICAN NORTHWEST RPS Service code 15 · EIN 91-2165154 | Recordkeeping | $10,653 |
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).
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 | $49,717 | $63,114-21.2% | $92,909-46.5% | $65,185-23.7% |
| Participation rate | 52.5% | 68.8%-16.3pp | 76.0%-23.5pp | 70.2%-17.7pp |
| Annual return | 21.57% | 28.75%-7.2pp | 109.44%-87.9pp | 29.38%-7.8pp |
| Employer contribution / active EE | $1,271 | $2,571-50.6% | $3,653-65.2% | $2,177-41.6% |
| Participant deferral / active EE | $2,973 | $3,108-4.3% | $4,238-29.8% | $3,514-15.4% |
| Admin fee / account holder | $325 | $624-47.9% | $5,795-94.4% | $847-61.6% |