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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS6 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $26,213 |
NOVEM GROUP5 years Filed as: NOVEM GROUP INC Service code 27 350 LINDEN OAKS STE 140 · ROCHESTER, NY 14625 | Advisory (Plan) | $21,905 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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.
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 | $30,505 | $101,591-70.0% | $147,096-79.3% | $74,429-59.0% |
| Participation rate | 69.3% | 75.5%-6.3pp | 82.2%-12.9pp | 67.2%+2.1pp |
| Annual return | 11.78% | 8746.45%-8734.7pp | 419.75%-408.0pp | 1368.38%-1356.6pp |
| Employer contribution / active EE | $1,325 | $3,813-65.2% | $4,936-73.1% | $2,625-49.5% |
| Participant deferral / active EE | $3,733 | $7,302-48.9% | $8,071-53.7% | $4,348-14.1% |
| Admin fee / account holder | $253 | $1,750-85.5% | $13,005-98.1% | $1,944-87.0% |