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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC1 year Service code 27 PO BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $7,511 |
AMERICAN FUNDS5+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT COM Service code 64 · EIN 95-1411037 | Recordkeeping Fees | $3,414 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,672 | $55,636+55.8% | $81,988+5.7% | $73,493+17.9% |
| Participation rate | 31.5% | 62.3%-30.8pp | 69.3%-37.7pp | 70.7%-39.1pp |
| Annual return | 27.58% | 19.07%+8.5pp | 41.31%-13.7pp | 28.51%-0.9pp |
| Employer contribution / active EE | $227 | $1,625-86.0% | $2,498-90.9% | $2,270-90.0% |
| Participant deferral / active EE | $1,236 | $2,762-55.3% | $3,722-66.8% | $3,740-67.0% |
| Admin fee / account holder | $210 | $493-57.5% | $5,665-96.3% | $513-59.2% |