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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,075 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $33,440 | $46,297-27.8% | $71,671-53.3% | $62,293-46.3% |
| Participation rate | 67.3% | 60.6%+6.7pp | 68.7%-1.4pp | 69.5%-2.2pp |
| Annual return | 24.92% | 22.32%+2.6pp | 20.65%+4.3pp | 28.90%-4.0pp |
| Employer contribution / active EE | $1,221 | $1,412-13.5% | $2,460-50.4% | $2,042-40.2% |
| Participant deferral / active EE | $2,194 | $2,235-1.8% | $3,438-36.2% | $3,169-30.8% |
| Admin fee / account holder | $8 | $461-98.2% | $5,558-99.9% | $479-98.3% |