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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $5,144 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $54,200 | $42,367+27.9% | $79,583-31.9% | $64,824-16.4% |
| Participation rate | 37.5% | 64.7%-27.3pp | 69.5%-32.0pp | 71.5%-34.0pp |
| Annual return | -21.83% | -12.24%-9.6pp | 0.16%-22.0pp | 32.84%-54.7pp |
| Employer contribution / active EE | $662 | $1,181-43.9% | $2,414-72.6% | $2,507-73.6% |
| Participant deferral / active EE | $3,433 | $3,168+8.4% | $3,986-13.9% | $4,311-20.4% |
| Admin fee / account holder | $14 | $160-90.9% | $6,835-99.8% | $188-92.3% |