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| Provider | Service type | Compensation |
|---|---|---|
Filed as: UBS FINANCIAL SERVICES Service code 27 315 DEADERICK ST 5TH FL · NASHVILLE, TN 37238 | Advisory (Plan) | $21,572 |
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $11,839 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $81,903 | $61,166+33.9% | $185,837-55.9% | $79,393+3.2% |
| Participation rate | 31.8% | 66.6%-34.8pp | 81.7%-49.9pp | 70.7%-38.9pp |
| Annual return | 10.21% | 19.45%-9.2pp | 122.08%-111.9pp | 116.87%-106.7pp |
| Employer contribution / active EE | $461 | $2,321-80.2% | $5,168-91.1% | $2,428-81.0% |
| Participant deferral / active EE | $1,138 | $2,789-59.2% | $5,568-79.6% | $4,046-71.9% |
| Admin fee / account holder | $315 | $710-55.6% | $16,241-98.1% | $627-49.7% |