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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL RESEARCH AND MANAGEMENT Service code 15 · EIN 95-6817943 | Recordkeeping | $925 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $3,519 | $42,772-91.8% | $87,502-96.0% | $55,167-93.6% |
| Participation rate | 60.6% | 66.5%-5.9pp | 73.8%-13.3pp | 69.0%-8.4pp |
| Annual return | 12.71% | 21.20%-8.5pp | 12.21%+0.5pp | 169.23%-156.5pp |
| Employer contribution / active EE | $0 | $1,277-100.0% | $2,550-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,435 | $2,342-38.7% | $3,149-54.4% | $3,054-53.0% |
| Admin fee / account holder | $14 | $461-97.0% | $4,221-99.7% | $504-97.2% |