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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $2,460 |
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.
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 | $14,749 | $55,453-73.4% | $170,435-91.3% | $62,293-76.3% |
| Participation rate | 79.6% | 66.4%+13.2pp | 83.6%-4.0pp | 69.5%+10.1pp |
| Annual return | 16.26% | 21.38%-5.1pp | 205.94%-189.7pp | 28.90%-12.6pp |
| Employer contribution / active EE | $0 | $2,164-100.0% | $5,432-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $796 | $2,303-65.4% | $4,939-83.9% | $3,169-74.9% |
| Admin fee / account holder | $16 | $455-96.4% | $13,881-99.9% | $479-96.6% |