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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Participant communication; Shareholde... | $105,325 |
AMERICAN FUNDS2+ years Filed as: NEWPORT CAPITAL GROUP LLC Service code 27 · EIN 86-1109193 | Advisory (Plan) | $39,859 |
NATIONAL FINANCIAL SERVICES2+ years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
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.)
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 | $124,936 | $107,378+16.4% | $108,582+15.1% | $57,658+116.7% |
| Participation rate | 23.4% | 77.1%-53.7pp | 79.6%-56.2pp | 70.2%-46.8pp |
| Annual return | 7.23% | 12.80%-5.6pp | -51.70%+58.9pp | 5.13%+2.1pp |
| Employer contribution / active EE | $842 | $1,782-52.8% | $3,758-77.6% | $1,974-57.4% |
| Participant deferral / active EE | $1,951 | $3,221-39.4% | $4,311-54.7% | $3,061-36.2% |
| Admin fee / account holder | $515 | $108+374.5% | $7,645-93.3% | $95+444.6% |