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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL BANK & TRUST COMPANY Service code 12 · EIN 95-6817943 PO BOX 6040 · INDIANAPOLIS, IN 462066040 | Recordkeeping fees; Float revenue; Di... | $1,640 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,875 | $58,895-61.2% | $178,503-87.2% | $73,497-68.9% |
| Participation rate | 42.5% | 66.2%-23.8pp | 81.9%-39.5pp | 70.7%-28.2pp |
| Annual return | 16.67% | 24.86%-8.2pp | 151.12%-134.4pp | 28.51%-11.8pp |
| Employer contribution / active EE | $235 | $2,236-89.5% | $5,011-95.3% | $2,270-89.7% |
| Participant deferral / active EE | $1,141 | $2,567-55.6% | $5,202-78.1% | $3,740-69.5% |
| Admin fee / account holder | $28 | $400-93.0% | $13,987-99.8% | $513-94.5% |