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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $912 |
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.
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 | $89,679 | $56,640+58.3% | $78,002+15.0% | $55,167+62.6% |
| Participation rate | 58.9% | 73.3%-14.4pp | 75.5%-16.6pp | 69.0%-10.1pp |
| Annual return | 7.49% | 2868.48%-2861.0pp | 425.99%-418.5pp | 169.23%-161.7pp |
| Employer contribution / active EE | $0 | $1,724-100.0% | $2,470-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $5,101 | $2,778+83.6% | $3,497+45.9% | $3,054+67.0% |
| Admin fee / account holder | $10 | $467-97.9% | $5,481-99.8% | $504-98.0% |