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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH & MANAGEMENT CO Service code 37 · EIN 95-6817943 | Loan Processing | $430 |
AMERICAN FUNDS2 years Filed as: CAPITAL BANK AND TRUST COMPANY Service code 18 · EIN 95-6817943 | Trustee (bank, trust company, or simi... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $18,337 | $65,376-72.0% | $87,104-78.9% | $65,185-71.9% |
| Participation rate | 36.8% | 75.3%-38.6pp | 76.9%-40.1pp | 70.2%-33.4pp |
| Annual return | 24.82% | 31.27%-6.5pp | 28.19%-3.4pp | 29.38%-4.6pp |
| Employer contribution / active EE | $648 | $1,822-64.5% | $2,521-74.3% | $2,177-70.2% |
| Participant deferral / active EE | $1,164 | $3,388-65.6% | $4,048-71.2% | $3,514-66.9% |
| Admin fee / account holder | $19 | $520-96.4% | $7,491-99.8% | $847-97.8% |