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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES2 years Service code 25 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Directed Trustee | $11,475 |
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $756 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $26,910 | $55,449-51.5% | $83,831-67.9% | $56,289-52.2% |
| Participation rate | 57.3% | 68.0%-10.7pp | 76.1%-18.8pp | 69.9%-12.5pp |
| Annual return | 16.04% | -1.38%+17.4pp | 850.99%-834.9pp | -9.96%+26.0pp |
| Employer contribution / active EE | $295 | $2,430-87.9% | $3,631-91.9% | $2,111-86.0% |
| Participant deferral / active EE | $1,535 | $2,935-47.7% | $4,082-62.4% | $3,350-54.2% |
| Admin fee / account holder | $116 | $656-82.2% | $5,479-97.9% | $521-77.6% |