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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,650 |
MORGAN STANLEY SMITH BARNEY2+ 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $29,677 | $67,170-55.8% | $74,577-60.2% | - |
| Participation rate | 28.5% | 57.3%-28.8pp | 68.1%-39.6pp | - |
| Annual return | 5.41% | -0.47%+5.9pp | 20.47%-15.1pp | - |
| Employer contribution / active EE | $280 | $1,012-72.3% | $2,525-88.9% | - |
| Participant deferral / active EE | $738 | $1,399-47.2% | $3,458-78.6% | - |
| Admin fee / account holder | $18 | $6,934-99.7% | $4,138-99.6% | - |