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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL BANK AND TRUST Service code 64 · EIN 95-6817943 PO BOX 6040 · INDIANOPOLIS, IN 462066040 | Recordkeeping Fees | $150 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $34,599 | $54,320-36.3% | $67,653-48.9% | $52,331-33.9% |
| Participation rate | 58.1% | 73.6%-15.5pp | 75.7%-17.5pp | 68.1%-10.0pp |
| Annual return | 0.78% | 6.81%-6.0pp | 6625.22%-6624.4pp | 4.54%-3.8pp |
| Employer contribution / active EE | $716 | $1,544-53.6% | $2,266-68.4% | $1,882-62.0% |
| Participant deferral / active EE | $2,062 | $2,950-30.1% | $3,560-42.1% | $3,022-31.8% |
| Admin fee / account holder | $2 | $527-99.7% | $4,821-100.0% | $592-99.7% |