Filed April 16, 2018
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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 42-1445429 | Advisory (Participants) | $9,173 |
AMERICAN FUNDS3 years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO Service code 37 · EIN 95-1411037 | Loan Processing | $1,371 |
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 | $24,506 | $54,763-55.3% | $90,324-72.9% | $72,976-66.4% |
| Participation rate | 69.7% | 65.2%+4.5pp | 73.3%-3.6pp | 69.5%+0.2pp |
| Annual return | 19.95% | 30.63%-10.7pp | 78.15%-58.2pp | 81.02%-61.1pp |
| Employer contribution / active EE | $326 | $2,093-84.4% | $2,856-88.6% | $2,440-86.6% |
| Participant deferral / active EE | $1,184 | $2,887-59.0% | $3,885-69.5% | $3,608-67.2% |
| Admin fee / account holder | $135 | $3,973-96.6% | $5,356-97.5% | $5,124-97.4% |