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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVS Service code 64 6455 IRVINE CENTER DR. · IRVINE, CA 92618 | Recordkeeping Fees | $4,701 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,010 | $86,298+2.0% | $111,308-20.9% | $85,847+2.5% |
| Participation rate | 29.5% | 73.3%-43.8pp | 77.3%-47.8pp | 69.3%-39.8pp |
| Annual return | 12.41% | 19.99%-7.6pp | 54.67%-42.3pp | 318.61%-306.2pp |
| Employer contribution / active EE | $513 | $2,044-74.9% | $2,732-81.2% | $2,565-80.0% |
| Participant deferral / active EE | $2,653 | $3,641-27.1% | $4,487-40.9% | $3,952-32.9% |
| Admin fee / account holder | $47 | $8,189-99.4% | $7,965-99.4% | $6,261-99.2% |