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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $60,126 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL, LLC Service code 27 4707 EXECUTIVE DRIVE · SAN DIEGO, CA 921213091 | Advisory (Plan) | $37,500 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $11,966 | $33,018-63.8% | $77,100-84.5% | $78,104-84.7% |
| Participation rate | 66.5% | 38.5%+28.0pp | 67.9%-1.4pp | 74.5%-8.0pp |
| Annual return | 13.37% | -7.47%+20.8pp | 42.35%-29.0pp | 10.90%+2.5pp |
| Employer contribution / active EE | $5 | $987-99.4% | $2,815-99.8% | $3,128-99.8% |
| Participant deferral / active EE | $2,372 | $2,365+0.3% | $4,430-46.4% | $5,089-53.4% |
| Admin fee / account holder | $22 | $108-79.9% | $5,443-99.6% | $79-72.4% |