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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $929 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $43,307 | $52,911-18.2% | $73,309-40.9% | $59,633-27.4% |
| Participation rate | 76.4% | 68.2%+8.2pp | 74.9%+1.5pp | 68.7%+7.7pp |
| Annual return | 2.12% | 12.20%-10.1pp | 5.67%-3.6pp | 2041.45%-2039.3pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $10,209 | $4,069+150.9% | $4,991+104.6% | $3,192+219.9% |
| Admin fee / account holder | $8 | $3,835-99.8% | $5,635-99.9% | $4,297-99.8% |