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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,293 |
AMERICAN FUNDS2 years Filed as: COASTAL CAPITAL GROUP Service code 27 · EIN 47-3835496 | Advisory (Plan) | $12,500 |
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.
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.
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 | $98,859 | $78,419+26.1% | $133,971-26.2% | $73,412+34.7% |
| Participation rate | 52.6% | 78.6%-26.0pp | 79.8%-27.3pp | 72.2%-19.6pp |
| Annual return | 11.21% | 33.35%-22.1pp | 45.09%-33.9pp | 59.30%-48.1pp |
| Employer contribution / active EE | $18 | $2,044-99.1% | $3,919-99.6% | $2,234-99.2% |
| Participant deferral / active EE | $2,829 | $3,925-27.9% | $5,047-43.9% | $3,806-25.7% |
| Admin fee / account holder | $179 | $161+10.9% | $8,929-98.0% | $158+13.3% |