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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 | $45,123+334.0% | $85,240+129.7% | $74,478+162.9% |
| Participation rate | 93.9% | 49.4%+44.6pp | 67.5%+26.4pp | 67.2%+26.7pp |
| Annual return | 10.62% | 26.32%-15.7pp | 66.75%-56.1pp | 1370.56%-1359.9pp |
| Employer contribution / active EE | $7,646 | $1,459+424.2% | $2,735+179.5% | $2,626+191.1% |
| Participant deferral / active EE | $6,896 | $2,736+152.0% | $4,527+52.3% | $4,350+58.5% |
| Admin fee / account holder | $720 | $2,215-67.5% | $6,165-88.3% | $1,946-63.0% |