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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $3,850 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $55,572 | $42,367+31.2% | $79,580-30.2% | $64,819-14.3% |
| Participation rate | 55.3% | 64.7%-9.4pp | 69.5%-14.2pp | 71.5%-16.2pp |
| Annual return | -15.91% | -12.23%-3.7pp | 0.15%-16.1pp | 32.84%-48.8pp |
| Employer contribution / active EE | $1,334 | $1,181+13.0% | $2,413-44.7% | $2,507-46.8% |
| Participant deferral / active EE | $4,962 | $3,170+56.5% | $3,985+24.5% | $4,311+15.1% |
| Admin fee / account holder | $19 | $160-88.0% | $6,835-99.7% | $188-89.8% |