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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 2035 FOREST AVENUE · CHICO, CA 95928 | Recordkeeping | $8,741 |
AMERICAN FUNDS4 years Service code 15 · EIN 95-6817943 PO BOX 6040 · INDIANAPOLIS, IN 462066040 | Recordkeeping | $625 |
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 | $13,597 | $46,219-70.6% | $89,414-84.8% | $90,274-84.9% |
| Participation rate | 6.9% | 44.9%-38.0pp | 68.0%-61.1pp | 73.4%-66.5pp |
| Annual return | 20.03% | 25.71%-5.7pp | 245.50%-225.5pp | 53.97%-33.9pp |
| Employer contribution / active EE | $13 | $953-98.6% | $2,586-99.5% | $2,523-99.5% |
| Participant deferral / active EE | $264 | $2,136-87.6% | $3,890-93.2% | $4,231-93.8% |
| Admin fee / account holder | $32 | $147-78.0% | $4,883-99.3% | $114-71.7% |