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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT COM Service code 64 · EIN 95-1411037 | Recordkeeping Fees | $125 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,912 | $44,425-3.4% | $67,834-36.7% | $55,167-22.2% |
| Participation rate | 34.9% | 59.7%-24.8pp | 68.8%-33.9pp | 69.0%-34.1pp |
| Annual return | 7.08% | 17.80%-10.7pp | 138.47%-131.4pp | 169.23%-162.1pp |
| Employer contribution / active EE | $199 | $1,351-85.3% | $2,403-91.7% | $1,963-89.8% |
| Participant deferral / active EE | $1,092 | $2,166-49.6% | $3,160-65.4% | $3,054-64.2% |
| Admin fee / account holder | $6 | $530-98.8% | $4,622-99.9% | $504-98.7% |