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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 | $500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $16,857,778 | $99,957+16765.0% | $149,715+11159.9% | $73,493+22838.0% |
| Participation rate | 0.0% | 75.7%-75.7pp | 82.5%-82.5pp | 70.7%-70.7pp |
| Annual return | 19.32% | 53.87%-34.6pp | 276.66%-257.3pp | 28.51%-9.2pp |
| Employer contribution / active EE | $2,590 | $3,191-18.8% | $4,645-44.2% | $2,270+14.1% |
| Participant deferral / active EE | $5,033 | $6,073-17.1% | $6,842-26.4% | $3,740+34.6% |
| Admin fee / account holder | $500 | $551-9.2% | $9,310-94.6% | $513-2.6% |