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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,950 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $39,186 | $47,180-16.9% | $149,723-73.8% | $74,473-47.4% |
| Participation rate | 46.2% | 63.4%-17.2pp | 78.8%-32.6pp | 70.7%-24.6pp |
| Annual return | 12.78% | 22.75%-10.0pp | 134.50%-121.7pp | 34.36%-21.6pp |
| Employer contribution / active EE | $2,359 | $1,907+23.7% | $4,821-51.1% | $2,638-10.6% |
| Participant deferral / active EE | $3,472 | $2,730+27.1% | $5,682-38.9% | $4,530-23.4% |
| Admin fee / account holder | $13 | $343-96.3% | $13,215-99.9% | $347-96.3% |