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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES2 years Service code 51 700 SOUTH SAGINAW RD · MIDLAND, MI 48640 | Investment Mgmt Fees | $7,314 |
Filed as: KDP RETIREMENT PLAN SERVICES INC Service code 13 3060 LAKE EASTBROOK BLVD · GRAND RAPIDS, MI 49512 | Contract Administrator | $2,578 |
AMERICAN FUNDS5 years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO Service code 64 333 SOUTH HOPE ST · LOS ANGELES, CA 90071 | Recordkeeping Fees | $672 |
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).
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 | $7,943 | $45,119-82.4% | $85,126-90.7% | $74,429-89.3% |
| Participation rate | 62.8% | 49.4%+13.4pp | 67.5%-4.8pp | 67.2%-4.5pp |
| Annual return | 13.81% | 26.28%-12.5pp | 66.63%-52.8pp | 1368.38%-1354.6pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,731-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,141 | $2,738-58.3% | $4,523-74.8% | $4,348-73.8% |
| Admin fee / account holder | $63 | $2,214-97.1% | $6,160-99.0% | $1,944-96.7% |