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| Provider | Service type | Compensation |
|---|---|---|
EPOCH CONSULTING GROUP9+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $64,433 |
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $60,274 |
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.
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 | $178,276 | $41,151+333.2% | $80,648+121.1% | $71,529+149.2% |
| Participation rate | 93.0% | 50.2%+42.7pp | 67.0%+26.0pp | 67.9%+25.0pp |
| Annual return | 12.74% | 38.49%-25.7pp | 937.21%-924.5pp | 28.97%-16.2pp |
| Employer contribution / active EE | $7,447 | $1,513+392.1% | $2,724+173.4% | $2,590+187.6% |
| Participant deferral / active EE | $7,148 | $2,700+164.7% | $4,443+60.9% | $4,291+66.6% |
| Admin fee / account holder | $617 | $1,842-66.5% | $5,382-88.5% | $1,588-61.1% |