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| Provider | Service type | Compensation |
|---|---|---|
M HOLDINGS SECURITIES INC6+ years Filed as: M HOLDINGS SECURITIES, INC. Service code 26 · EIN 91-1802259 | Advisory (Participants) | $3,468 |
AMERICAN FUNDS6+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 37 · EIN 95-6817943 | Loan Processing | $0 |
AMERICAN FUNDS6+ 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 | $32,993 | $69,383-52.4% | $101,271-67.4% | $73,493-55.1% |
| Participation rate | 52.4% | 68.4%-16.0pp | 75.8%-23.4pp | 70.7%-18.3pp |
| Annual return | 21.47% | 18.46%+3.0pp | 46.48%-25.0pp | 28.51%-7.0pp |
| Employer contribution / active EE | $234 | $2,628-91.1% | $3,660-93.6% | $2,270-89.7% |
| Participant deferral / active EE | $3,321 | $3,301+0.6% | $4,371-24.0% | $3,740-11.2% |
| Admin fee / account holder | $24 | $704-96.6% | $5,948-99.6% | $513-95.4% |