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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5 years Filed as: NEWPORT CAPITAL GROUP Service code 27 · EIN 86-1109193 | Advisory (Plan) | $77,270 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$12,593 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $99,906 | $84,493+18.2% | $125,381-20.3% | $66,938+49.3% |
| Participation rate | 90.1% | 76.4%+13.7pp | 82.4%+7.7pp | 69.8%+20.2pp |
| Annual return | -17.43% | -8.49%-8.9pp | 572.31%-589.7pp | 1.58%-19.0pp |
| Employer contribution / active EE | $2,558 | $3,554-28.0% | $4,815-46.9% | $2,545+0.5% |
| Participant deferral / active EE | $9,096 | $6,783+34.1% | $7,448+22.1% | $4,238+114.6% |
| Admin fee / account holder | $348 | $685-49.2% | $10,007-96.5% | $594-41.4% |