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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $4,379 |
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).
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 | $28,683 | $58,347-50.8% | $85,705-66.5% | $86,821-67.0% |
| Participation rate | 43.3% | 64.9%-21.6pp | 69.9%-26.6pp | 72.3%-29.0pp |
| Annual return | 22.38% | 18.43%+4.0pp | 21.49%+0.9pp | 97.94%-75.6pp |
| Employer contribution / active EE | $262 | $1,751-85.0% | $2,619-90.0% | $2,406-89.1% |
| Participant deferral / active EE | $1,457 | $3,065-52.5% | $3,924-62.9% | $4,132-64.7% |
| Admin fee / account holder | $8 | $147-94.6% | $6,877-99.9% | $170-95.3% |