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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 2035 FOREST AVENUE · CHICO, CA 95928 | Recordkeeping | $12,420 |
AMERICAN FUNDS3 years Service code 15 · EIN 95-6817943 PO BOX 6040 · INDIANAPOLIS, IN 462066040 | Recordkeeping | $812 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $12,092 | $41,617-70.9% | $84,623-85.7% | $77,775-84.5% |
| Participation rate | 7.5% | 45.0%-37.5pp | 68.2%-60.7pp | 73.2%-65.7pp |
| Annual return | 24.61% | 24.97%-0.4pp | 258.77%-234.2pp | 32.58%-8.0pp |
| Employer contribution / active EE | $15 | $1,061-98.6% | $2,652-99.5% | $2,504-99.4% |
| Participant deferral / active EE | $291 | $2,129-86.3% | $3,899-92.5% | $3,966-92.7% |
| Admin fee / account holder | $56 | $121-53.9% | $4,913-98.9% | $100-44.2% |