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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: HM CAPITAL MANAGEMENT Service code 15 · EIN 20-3287389 | Recordkeeping | $12,491 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,305 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,476 | $80,753-40.0% | $136,298-64.4% | $62,293-22.2% |
| Participation rate | 51.1% | 73.5%-22.4pp | 81.9%-30.8pp | 69.5%-18.4pp |
| Annual return | 20.25% | 35.83%-15.6pp | 5156.27%-5136.0pp | 28.90%-8.6pp |
| Employer contribution / active EE | $1,898 | $2,884-34.2% | $4,696-59.6% | $2,042-7.1% |
| Participant deferral / active EE | $3,902 | $5,164-24.4% | $6,247-37.5% | $3,169+23.1% |
| Admin fee / account holder | $125 | $525-76.1% | $9,244-98.6% | $479-73.8% |