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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 8800 CARILON PARKWAY · ST. PETERSBURG, FL 33716 | Advisory (Plan) | $27,332 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $13,740 |
Filed as: TAX SHELTERED COMPENSATION Service code 13 · EIN 41-0955056 | Contract Administrator | $10,919 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,377 | $91,474-62.4% | $135,982-74.7% | $71,529-51.9% |
| Participation rate | 90.2% | 75.7%+14.6pp | 81.9%+8.3pp | 67.9%+22.3pp |
| Annual return | 20.37% | 29.89%-9.5pp | 68.32%-48.0pp | 28.97%-8.6pp |
| Employer contribution / active EE | $2,065 | $3,705-44.3% | $4,859-57.5% | $2,590-20.3% |
| Participant deferral / active EE | $4,548 | $7,095-35.9% | $7,760-41.4% | $4,291+6.0% |
| Admin fee / account holder | $338 | $1,267-73.3% | $10,767-96.9% | $1,588-78.7% |