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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $2,094 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 · EIN 26-4310632 | Other Services | $19 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $51,855 | $53,412-2.9% | $68,509-24.3% | $52,331-0.9% |
| Participation rate | 69.2% | 71.7%-2.4pp | 74.7%-5.5pp | 68.1%+1.1pp |
| Annual return | 2.10% | 3.42%-1.3pp | 8.27%-6.2pp | 4.54%-2.4pp |
| Employer contribution / active EE | $1,628 | $1,607+1.3% | $2,278-28.5% | $1,882-13.5% |
| Participant deferral / active EE | $2,815 | $2,688+4.7% | $3,382-16.8% | $3,022-6.9% |
| Admin fee / account holder | $22 | $461-95.3% | $5,275-99.6% | $592-96.4% |