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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL RESEARCH AND MANAGEMENT COM Service code 64 333 SOUTH HOPE STREET · LOS ANGELES, CA 90071 | Recordkeeping Fees | $1,525 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $235 |
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).
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 | $29,616 | $44,473-33.4% | $76,518-61.3% | $55,725-46.9% |
| Participation rate | 28.8% | 51.0%-22.2pp | 68.0%-39.2pp | 70.9%-42.0pp |
| Annual return | -5.76% | -2.01%-3.8pp | -0.27%-5.5pp | 244.93%-250.7pp |
| Employer contribution / active EE | $242 | $1,101-78.0% | $2,647-90.8% | $2,078-88.3% |
| Participant deferral / active EE | $831 | $1,988-58.2% | $3,836-78.3% | $3,356-75.2% |
| Admin fee / account holder | $16 | $134-88.1% | $4,849-99.7% | $115-86.1% |