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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Service code 15 · EIN 95-6817943 PO BOX 6040 · INDIANAPOLIS, IN 462066040 | Recordkeeping | $225 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,677 | $43,717-75.6% | $81,473-86.9% | $77,958-86.3% |
| Participation rate | 7.0% | 42.5%-35.6pp | 68.0%-61.0pp | 71.6%-64.7pp |
| Annual return | 19.71% | 23.83%-4.1pp | 38.78%-19.1pp | 20.87%-1.2pp |
| Employer contribution / active EE | $15 | $919-98.4% | $2,568-99.4% | $2,310-99.4% |
| Participant deferral / active EE | $295 | $1,783-83.5% | $3,537-91.7% | $3,537-91.7% |
| Admin fee / account holder | $9 | $108-91.7% | $4,561-99.8% | $97-90.9% |