Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
NICHOLAS PENSION CONSULTANTS4 years Service code 13 · EIN 27-1186851 10933 TRADE CENTER DRIVE · RANCHO CORDOVA, CA 65670 | Contract Administrator | $7,480 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $6,311 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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 | $21,009 | $83,023-74.7% | $102,437-79.5% | $77,762-73.0% |
| Participation rate | 26.4% | 71.5%-45.2pp | 74.5%-48.1pp | 70.6%-44.2pp |
| Annual return | 8.63% | 19.12%-10.5pp | 24.95%-16.3pp | 31.27%-22.6pp |
| Employer contribution / active EE | $0 | $3,552-100.0% | $3,871-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,127 | $4,110-72.6% | $5,060-77.7% | $4,651-75.8% |
| Admin fee / account holder | $69 | $639-89.2% | $8,388-99.2% | $433-84.0% |