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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES9 years Service code 27 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Advisory (Plan) | $21,083 |
AMERICAN FUNDS7 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,338 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,126 | $80,332-6.5% | $107,187-29.9% | $64,097+17.2% |
| Participation rate | 61.7% | 54.4%+7.3pp | 75.0%-13.3pp | 55.2%+6.5pp |
| Annual return | 15.80% | 24.26%-8.5pp | 204.55%-188.7pp | 34.64%-18.8pp |
| Employer contribution / active EE | $1,842 | $2,501-26.4% | $3,782-51.3% | $1,891-2.6% |
| Participant deferral / active EE | $3,373 | $3,109+8.5% | $5,096-33.8% | $3,080+9.5% |
| Admin fee / account holder | $166 | $4,314-96.1% | $9,162-98.2% | $3,454-95.2% |