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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: ADVANCE CAPITAL MANAGEMENT INC Service code 27 ONE TOWNE SQUARE STE 444 · SOUTHFIELD, MI 48076 | Advisory (Plan) | $19,956 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $15,970 |
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.
Annual investment return 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,020 | $102,661-49.3% | $151,645-65.7% | $66,949-22.3% |
| Participation rate | 99.2% | 85.5%+13.7pp | 87.5%+11.7pp | 69.8%+29.4pp |
| Annual return | -21.67% | -10.81%-10.9pp | 3.34%-25.0pp | 1.57%-23.2pp |
| Employer contribution / active EE | $1,638 | $4,184-60.8% | $6,165-73.4% | $2,545-35.6% |
| Participant deferral / active EE | $3,237 | $6,645-51.3% | $8,363-61.3% | $4,239-23.6% |
| Admin fee / account holder | $248 | $630-60.7% | $11,614-97.9% | $594-58.3% |