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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,706 |
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.
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 | $6,544 | $32,425-79.8% | $74,577-91.2% | $55,167-88.1% |
| Participation rate | 62.2% | 54.0%+8.2pp | 68.1%-5.9pp | 69.0%-6.8pp |
| Annual return | 8.06% | 10.63%-2.6pp | 20.47%-12.4pp | 169.23%-161.2pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $625 | $1,995-68.7% | $3,458-81.9% | $3,054-79.5% |
| Admin fee / account holder | $3 | $748-99.5% | $4,138-99.9% | $504-99.3% |