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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 | $300 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $20,929 | $31,388-33.3% | $73,545-71.5% | $62,293-66.4% |
| Participation rate | 25.2% | 39.9%-14.7pp | 54.9%-29.8pp | 69.5%-44.4pp |
| Annual return | 18.85% | 25.34%-6.5pp | -15.16%+34.0pp | 28.90%-10.0pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,260 | $1,028+22.5% | $1,806-30.2% | $3,169-60.2% |
| Admin fee / account holder | $4 | $299-98.7% | $2,320-99.8% | $479-99.2% |