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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $3,156 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $55,454 | $81,494-32.0% | $133,978-58.6% | $73,497-24.5% |
| Participation rate | 76.7% | 76.4%+0.3pp | 79.8%-3.2pp | 70.7%+6.0pp |
| Annual return | 14.98% | 19.40%-4.4pp | 45.10%-30.1pp | 28.51%-13.5pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $3,919-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,502 | $3,787-7.5% | $5,047-30.6% | $3,740-6.4% |
| Admin fee / account holder | $12 | $713-98.3% | $8,930-99.9% | $513-97.6% |