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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $121,598 |
EPOCH CONSULTING GROUP10+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $74,969 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $195,816 | $44,984+335.3% | $85,009+130.3% | $74,546+162.7% |
| Participation rate | 93.9% | 49.4%+44.5pp | 67.5%+26.4pp | 67.2%+26.7pp |
| Annual return | 10.62% | 26.25%-15.6pp | 66.47%-55.9pp | 1366.03%-1355.4pp |
| Employer contribution / active EE | $7,646 | $1,458+424.4% | $2,728+180.2% | $2,624+191.3% |
| Participant deferral / active EE | $6,896 | $2,733+152.3% | $4,522+52.5% | $4,347+58.6% |
| Admin fee / account holder | $720 | $2,208-67.4% | $6,153-88.3% | $1,944-63.0% |