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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 | $700 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $21,064 | $46,761-55.0% | $106,619-80.2% | $57,658-63.5% |
| Participation rate | 35.7% | 56.9%-21.2pp | 78.0%-42.3pp | 70.2%-34.5pp |
| Annual return | 7.04% | 15.77%-8.7pp | 9.42%-2.4pp | 5.13%+1.9pp |
| Employer contribution / active EE | $446 | $1,274-65.0% | $3,947-88.7% | $1,974-77.4% |
| Participant deferral / active EE | $684 | $1,954-65.0% | $3,930-82.6% | $3,061-77.7% |
| Admin fee / account holder | $3 | $97-96.4% | $6,418-99.9% | $95-96.4% |