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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS3 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $51,742 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $12,037 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,724 | $91,406-81.7% | $130,062-87.1% | $74,473-77.5% |
| Participation rate | 35.1% | 77.8%-42.7pp | 78.5%-43.4pp | 70.7%-35.6pp |
| Annual return | 17.43% | 23.21%-5.8pp | -137.37%+154.8pp | 34.36%-16.9pp |
| Employer contribution / active EE | $993 | $2,565-61.3% | $4,322-77.0% | $2,638-62.4% |
| Participant deferral / active EE | $1,423 | $4,724-69.9% | $5,821-75.5% | $4,530-68.6% |
| Admin fee / account holder | $399 | $283+40.7% | $10,601-96.2% | $347+14.9% |