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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,925 |
MORGAN STANLEY SMITH BARNEY3+ years Service code 49 · EIN 26-4310632 | Other Services | $14 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $33,679 | $36,767-8.4% | $81,473-58.7% | $62,293-45.9% |
| Participation rate | 35.8% | 54.4%-18.6pp | 68.0%-32.1pp | 69.5%-33.7pp |
| Annual return | 27.47% | 173.80%-146.3pp | 38.78%-11.3pp | 28.90%-1.4pp |
| Employer contribution / active EE | $333 | $1,128-70.4% | $2,568-87.0% | $2,042-83.7% |
| Participant deferral / active EE | $917 | $2,111-56.5% | $3,537-74.1% | $3,169-71.1% |
| Admin fee / account holder | $18 | $797-97.7% | $4,561-99.6% | $479-96.2% |