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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,988 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $94,549 | $112,315-15.8% | $81,367+16.2% | $55,191+71.3% |
| Participation rate | 57.8% | 88.0%-30.3pp | 82.3%-24.5pp | 69.2%-11.4pp |
| Annual return | 3.03% | 0.62%+2.4pp | -0.92%+3.9pp | 10.78%-7.8pp |
| Employer contribution / active EE | $448 | $4,239-89.4% | $3,930-88.6% | $1,899-76.4% |
| Participant deferral / active EE | $5,296 | $6,435-17.7% | $5,383-1.6% | $3,046+73.8% |
| Admin fee / account holder | $5 | $83-93.5% | $8,926-99.9% | $91-94.0% |