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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT Service code 64 · EIN 82-4555287 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $7,077 |
Filed as: HERITAGE PENSION ADVISORS, INC. Service code 13 · EIN 27-1835823 66 COMMACK ROAD, STE. 308 · COMMACK, NY 117253405 | Contract Administrator | $3,661 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,225 | $56,511-50.1% | $185,837-84.8% | $86,813-67.5% |
| Participation rate | 26.8% | 65.5%-38.7pp | 81.7%-54.9pp | 72.3%-45.5pp |
| Annual return | 334.98% | 118.12%+216.9pp | 122.08%+212.9pp | 97.93%+237.1pp |
| Employer contribution / active EE | $769 | $1,844-58.3% | $5,168-85.1% | $2,406-68.0% |
| Participant deferral / active EE | $1,432 | $2,554-44.0% | $5,568-74.3% | $4,131-65.3% |
| Admin fee / account holder | $58 | $150-61.1% | $16,241-99.6% | $170-65.7% |