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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: CAPITAL BANK AND TRUST Service code 64 · EIN 95-6817943 | Recordkeeping Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,156 | $32,037-46.4% | $69,182-75.2% | $62,881-72.7% |
| Participation rate | 66.7% | 43.4%+23.2pp | 55.1%+11.6pp | 69.3%-2.6pp |
| Annual return | -42.24% | 15.16%-57.4pp | -21.93%-20.3pp | 20.14%-62.4pp |
| Employer contribution / active EE | $930 | $679+36.9% | $1,206-22.9% | $2,281-59.2% |
| Participant deferral / active EE | $1,370 | $1,185+15.6% | $1,897-27.8% | $3,203-57.2% |
| Admin fee / account holder | $113 | $2,608-95.7% | $2,697-95.8% | $4,296-97.4% |