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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN NORTHWEST ADVISORY SERVICE Service code 27 · EIN 91-1998294 | Advisory (Plan) | $19,719 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $51,810 | $30,615+69.2% | $74,722-30.7% | - |
| Participation rate | 45.5% | 43.6%+1.8pp | 54.5%-9.0pp | - |
| Annual return | 18.23% | 14.02%+4.2pp | 753.11%-734.9pp | - |
| Employer contribution / active EE | $343 | $1,331-74.2% | $1,084-68.3% | - |
| Participant deferral / active EE | $1,646 | $1,056+55.9% | $1,963-16.2% | - |
| Admin fee / account holder | $374 | $2,499-85.0% | $3,335-88.8% | - |