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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $675 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $19,958 | $58,888-66.1% | $178,498-88.8% | $73,493-72.8% |
| Participation rate | 33.7% | 66.2%-32.5pp | 81.9%-48.2pp | 70.7%-37.0pp |
| Annual return | 27.37% | 24.86%+2.5pp | 151.09%-123.7pp | 28.51%-1.1pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,677 | $2,568-34.7% | $5,202-67.8% | $3,740-55.2% |
| Admin fee / account holder | $8 | $400-98.1% | $13,985-99.9% | $513-98.5% |