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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 | $1,750 |
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.
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 | $29,790 | $46,332-35.7% | $143,797-79.3% | $64,824-54.0% |
| Participation rate | 50.5% | 64.2%-13.7pp | 80.3%-29.8pp | 71.5%-21.0pp |
| Annual return | -18.87% | -10.05%-8.8pp | -0.04%-18.8pp | 32.84%-51.7pp |
| Employer contribution / active EE | $2,207 | $1,911+15.5% | $4,952-55.4% | $2,507-12.0% |
| Participant deferral / active EE | $3,337 | $2,647+26.1% | $5,638-40.8% | $4,311-22.6% |
| Admin fee / account holder | $8 | $154-95.0% | $14,679-99.9% | $188-95.9% |