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| Provider | Service type | Compensation |
|---|---|---|
EPOCH CONSULTING GROUP8+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $63,142 |
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $61,374 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,838 | $37,463+294.6% | $77,100+91.8% | $66,949+120.8% |
| Participation rate | 95.1% | 52.9%+42.2pp | 67.9%+27.2pp | 69.8%+25.3pp |
| Annual return | -11.08% | -3.25%-7.8pp | 42.35%-53.4pp | 1.57%-12.6pp |
| Employer contribution / active EE | $7,069 | $1,535+360.6% | $2,815+151.1% | $2,545+177.7% |
| Participant deferral / active EE | $6,425 | $2,621+145.1% | $4,430+45.0% | $4,239+51.6% |
| Admin fee / account holder | $604 | $568+6.4% | $5,443-88.9% | $594+1.8% |