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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 15 · EIN 95-6817943 | Recordkeeping | $0 |
CASTLE ROCK INVESTMENT COMPANY2+ years Filed as: CASTLE FINANCIAL ADVISORS, LLC Service code 49 145 MARCUS BLVD. · HAUPPAUGE, NY 11788 | Other Services | $0 |
UNITED BENEFIT PENSIONS INC.2+ years Service code 49 · EIN 36-4517541 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $29,704 | $43,423-31.6% | $78,676-62.2% | $55,167-46.2% |
| Participation rate | 40.1% | 68.0%-27.9pp | 73.6%-33.4pp | 69.0%-28.9pp |
| Annual return | 6.07% | 11.53%-5.5pp | 62.19%-56.1pp | 169.23%-163.2pp |
| Employer contribution / active EE | $961 | $1,997-51.9% | $2,850-66.3% | $1,963-51.1% |
| Participant deferral / active EE | $1,483 | $2,509-40.9% | $3,517-57.8% | $3,054-51.4% |
| Admin fee / account holder | $19 | $416-95.6% | $4,510-99.6% | $504-96.3% |