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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $0 |
MCSOLEY MCCOY & CO3+ years Service code 10 · EIN 03-0327374 | Accounting | $0 |
PARK AVENUE SECURITIES LLC2 years Service code 55 197 SCOTT SWAMP RD · FARMINGTON, CT 06032 | Other Commissions | $0 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $40,068 | $58,093-31.0% | $80,022-49.9% | $56,287-28.8% |
| Participation rate | 42.6% | 73.6%-31.0pp | 75.8%-33.2pp | 69.9%-27.2pp |
| Annual return | 9.10% | 34.63%-25.5pp | 11.22%-2.1pp | -9.96%+19.1pp |
| Employer contribution / active EE | $0 | $1,933-100.0% | $2,468-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,045 | $3,136-66.7% | $3,686-71.6% | $3,350-68.8% |
| Admin fee / account holder | $477 | $623-23.4% | $6,521-92.7% | $521-8.5% |