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| Provider | Service type | Compensation |
|---|---|---|
ERIC J. FERNANDEZ & CO.1 year Filed as: ERIC COHEN & ASSOCIATES PC Service code 10 · EIN 52-1754364 | Accounting | $11,500 |
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $1,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $45,116 | $99,957-54.9% | $149,745-69.9% | $73,497-38.6% |
| Participation rate | 64.3% | 75.7%-11.4pp | 82.5%-18.2pp | 70.7%-6.4pp |
| Annual return | -6.91% | 53.87%-60.8pp | 276.72%-283.6pp | 28.51%-35.4pp |
| Employer contribution / active EE | $3,840 | $3,191+20.3% | $4,646-17.3% | $2,270+69.2% |
| Participant deferral / active EE | $5,549 | $6,073-8.6% | $6,843-18.9% | $3,740+48.4% |
| Admin fee / account holder | $71 | $551-87.1% | $9,312-99.2% | $513-86.2% |