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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $712 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $75,125 | $73,102+2.8% | $123,552-39.2% | $56,287+33.5% |
| Participation rate | 53.0% | 74.3%-21.3pp | 82.3%-29.3pp | 69.9%-16.9pp |
| Annual return | -5.03% | 3.01%-8.0pp | 119.20%-124.2pp | -9.96%+4.9pp |
| Employer contribution / active EE | $1,486 | $2,977-50.1% | $4,628-67.9% | $2,111-29.6% |
| Participant deferral / active EE | $5,106 | $5,423-5.8% | $6,426-20.5% | $3,350+52.4% |
| Admin fee / account holder | $9 | $554-98.4% | $9,285-99.9% | $521-98.3% |