Filed June 4, 2018
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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS7 years Filed as: THE CAPITAL GROUP Service code 26 · EIN 46-4255096 | Advisory (Participants) | $60,932 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $41,566 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,544 | $106,247-49.6% | $147,096-63.6% | $77,714-31.1% |
| Participation rate | 56.8% | 78.4%-21.5pp | 82.2%-25.3pp | 70.6%-13.7pp |
| Annual return | 16.77% | 56.87%-40.1pp | 419.75%-403.0pp | 31.26%-14.5pp |
| Employer contribution / active EE | $1,517 | $4,069-62.7% | $4,936-69.3% | $2,727-44.4% |
| Participant deferral / active EE | $5,652 | $7,996-29.3% | $8,071-30.0% | $4,649+21.6% |
| Admin fee / account holder | $337 | $338-0.3% | $13,005-97.4% | $433-22.2% |