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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 | $25,588 |
STIFEL NICOLAUS & CO INC2 years Service code 27 501 N BROADWAY · ST LOUIS, MO 63102 | Advisory (Plan) | $14,019 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,067 | $101,798-45.9% | $165,071-66.6% | $80,935-32.0% |
| Participation rate | 95.5% | 71.8%+23.7pp | 78.6%+16.9pp | 67.7%+27.8pp |
| Annual return | -0.62% | 16.73%-17.4pp | 70.17%-70.8pp | 35.66%-36.3pp |
| Employer contribution / active EE | $2,417 | $2,954-18.2% | $4,347-44.4% | $2,757-12.3% |
| Participant deferral / active EE | $7,031 | $4,476+57.1% | $6,035+16.5% | $4,299+63.5% |
| Admin fee / account holder | $363 | $8,221-95.6% | $12,695-97.1% | $6,924-94.8% |