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| Provider | Service type | Compensation |
|---|---|---|
MOSS ADAMS LLP1 year Filed as: MOSS- ADAMS LLP Service code 10 · EIN 91-0189318 | Accounting | $11,750 |
AMERICAN FUNDS4+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $4,160 |
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.
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 | $29,530 | $35,485-16.8% | $74,551-60.4% | $55,725-47.0% |
| Participation rate | 23.2% | 62.5%-39.3pp | 69.1%-45.9pp | 70.9%-47.6pp |
| Annual return | -4.50% | 0.72%-5.2pp | 32.53%-37.0pp | 244.93%-249.4pp |
| Employer contribution / active EE | $219 | $777-71.8% | $1,961-88.8% | $2,078-89.5% |
| Participant deferral / active EE | $931 | $2,181-57.3% | $3,108-70.0% | $3,356-72.3% |
| Admin fee / account holder | $56 | $114-50.8% | $5,059-98.9% | $115-51.2% |