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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.
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).
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 | $69,255-72.1% | $133,346-85.5% | $69,255-72.1% |
| Participation rate | 41.0% | 69.0%-28.0pp | 72.8%-31.8pp | 69.0%-28.0pp |
| Annual return | 17.94% | 26.73%-8.8pp | 36.85%-18.9pp | 26.73%-8.8pp |
| Employer contribution / active EE | $362 | $2,645-86.3% | $2,853-87.3% | $2,645-86.3% |
| Participant deferral / active EE | $1,005 | $2,890-65.2% | $4,332-76.8% | $2,890-65.2% |
| Admin fee / account holder | $89 | $733-87.9% | $14,264-99.4% | $733-87.9% |