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| Provider | Service type | Compensation |
|---|---|---|
M HOLDINGS SECURITIES INC5+ years Filed as: M HOLDINGS SECURITIES, INC. Service code 26 · EIN 91-1802259 | Advisory (Participants) | $3,675 |
AMERICAN FUNDS5+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 37 · EIN 95-6817943 | Loan Processing | $0 |
AMERICAN FUNDS5+ years Filed as: CAPITAL RESEARCH MANAGEMENT COMPANY Service code 37 | Loan Processing | $0 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,172 | $63,114-60.1% | $92,909-72.9% | $65,185-61.4% |
| Participation rate | 51.3% | 68.8%-17.4pp | 76.0%-24.7pp | 70.2%-18.9pp |
| Annual return | 24.37% | 28.75%-4.4pp | 109.44%-85.1pp | 29.38%-5.0pp |
| Employer contribution / active EE | $399 | $2,571-84.5% | $3,653-89.1% | $2,177-81.7% |
| Participant deferral / active EE | $3,534 | $3,108+13.7% | $4,238-16.6% | $3,514+0.6% |
| Admin fee / account holder | $25 | $624-96.0% | $5,795-99.6% | $847-97.1% |