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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $69,105 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL, LLC Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $49,988 |
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 | $24,134 | $41,039-41.2% | $85,240-71.7% | $99,313-75.7% |
| Participation rate | 65.5% | 34.4%+31.1pp | 67.5%-2.0pp | 71.7%-6.2pp |
| Annual return | 45.06% | 17.44%+27.6pp | 66.75%-21.7pp | 17.67%+27.4pp |
| Employer contribution / active EE | $0 | $1,106-100.0% | $2,735-100.0% | $3,264-100.0% |
| Participant deferral / active EE | $3,000 | $2,193+36.8% | $4,527-33.7% | $5,346-43.9% |
| Admin fee / account holder | $17 | $177-90.4% | $6,165-99.7% | $109-84.5% |