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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 29 SAWYER ROAD · WALTHAM, MA 02453 | Advisory (Plan) | $14,553 |
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS Service code 13 · EIN 82-4555287 | Contract Administrator | $1,685 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,354 | $56,047-65.5% | $98,716-80.4% | $79,634-75.7% |
| Participation rate | 41.0% | 54.6%-13.6pp | 69.3%-28.3pp | 62.5%-21.5pp |
| Annual return | 17.94% | 17.58%+0.4pp | 31.81%-13.9pp | 36.46%-18.5pp |
| Employer contribution / active EE | $362 | $1,237-70.7% | $2,279-84.1% | $2,529-85.7% |
| Participant deferral / active EE | $1,005 | $2,469-59.3% | $4,048-75.2% | $3,835-73.8% |
| Admin fee / account holder | $89 | $1,512-94.1% | $8,703-99.0% | $1,002-91.1% |