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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5+ years Filed as: CAPITAL RESEARCH MANAGEMENT COMPANY Service code 15 333 SOUTH HOPE STREET · LOS ANGELES, CA 90071 | Recordkeeping | $200 |
SPIRE SECURITIES5+ years Service code 63 | 12b-1 Fees | $0 |
Annual investment return 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.
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 | $47,326 | $52,293-9.5% | $178,498-73.5% | $73,412-35.5% |
| Participation rate | 76.8% | 65.3%+11.5pp | 81.9%-5.1pp | 72.2%+4.7pp |
| Annual return | 3.67% | 34.75%-31.1pp | 151.09%-147.4pp | 59.30%-55.6pp |
| Employer contribution / active EE | $3,418 | $1,735+97.0% | $5,011-31.8% | $2,234+53.0% |
| Participant deferral / active EE | $0 | $2,332-100.0% | $5,202-100.0% | $3,806-100.0% |
| Admin fee / account holder | $1 | $127-99.5% | $13,985-100.0% | $158-99.6% |