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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS Service code 25 · EIN 82-4555287 | Directed Trustee | $2,603 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $26,352 | $46,423-43.2% | $75,900-65.3% | $67,582-61.0% |
| Participation rate | 34.6% | 63.1%-28.5pp | 69.3%-34.7pp | 71.3%-36.7pp |
| Annual return | 21.64% | 32.29%-10.7pp | 30.73%-9.1pp | 378.57%-356.9pp |
| Employer contribution / active EE | $232 | $1,406-83.5% | $2,501-90.7% | $2,148-89.2% |
| Participant deferral / active EE | $1,258 | $2,564-50.9% | $3,604-65.1% | $3,539-64.5% |
| Admin fee / account holder | $6 | $132-95.8% | $5,421-99.9% | $142-96.1% |