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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL BANK AND TRUST COMPANY Service code 12 · EIN 95-6817943 PO BOX 6040 · INDIANAPOLIS, IN 462066040 | Recordkeeping fees; Direct payment fr... | $100 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $31,726 | $47,977-33.9% | $154,108-79.4% | $56,289-43.6% |
| Participation rate | 30.6% | 66.2%-35.6pp | 83.0%-52.5pp | 69.9%-39.3pp |
| Annual return | -2.96% | 3.54%-6.5pp | 735.21%-738.2pp | -9.96%+7.0pp |
| Employer contribution / active EE | $187 | $2,169-91.4% | $5,298-96.5% | $2,111-91.1% |
| Participant deferral / active EE | $929 | $2,392-61.2% | $5,081-81.7% | $3,350-72.3% |
| Admin fee / account holder | $2 | $438-99.5% | $13,411-100.0% | $521-99.6% |