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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS7 years Filed as: REGATTA CAPITAL GROUP LLC Service code 27 · EIN 26-0825177 | Advisory (Plan) | $96,003 |
Service code 37 · EIN 04-2647786 | Loan Processing | $78,583 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $71,101 | $106,264-33.1% | $147,117-51.7% | $77,762-8.6% |
| Participation rate | 70.1% | 78.4%-8.3pp | 82.2%-12.1pp | 70.6%-0.5pp |
| Annual return | 19.12% | 56.94%-37.8pp | 420.54%-401.4pp | 31.27%-12.1pp |
| Employer contribution / active EE | $2,823 | $4,074-30.7% | $4,932-42.8% | $2,728+3.5% |
| Participant deferral / active EE | $8,244 | $8,003+3.0% | $8,065+2.2% | $4,651+77.3% |
| Admin fee / account holder | $356 | $334+6.4% | $12,993-97.3% | $433-17.8% |