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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $24,949 |
Service code 27 940 N INDUSTRIAL DR · ELMHURST, IL 60126 | Advisory (Plan) | $15,890 |
MOWERY & SCHOENFELD LLC1 year Filed as: MOWERY & SCHOENFELD, LLC Service code 10 · EIN 36-4111140 | Accounting | $14,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $35,529 | $42,367-16.1% | $79,580-55.4% | $64,819-45.2% |
| Participation rate | 52.0% | 64.7%-12.7pp | 69.5%-17.5pp | 71.5%-19.5pp |
| Annual return | -16.09% | -12.23%-3.9pp | 0.15%-16.2pp | 32.84%-48.9pp |
| Employer contribution / active EE | $1,147 | $1,181-2.8% | $2,413-52.5% | $2,507-54.2% |
| Participant deferral / active EE | $3,756 | $3,170+18.5% | $3,985-5.8% | $4,311-12.9% |
| Admin fee / account holder | $310 | $160+94.2% | $6,835-95.5% | $188+65.0% |