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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: HM CAPITAL MANAGEMENT LLC Service code 27 · EIN 20-3287389 | Advisory (Plan) | $40,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,435 |
RUBINBROWN LLP5 years Service code 10 · EIN 43-0765316 | Accounting | $11,200 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $131,300 | $81,494+61.1% | $133,978-2.0% | $73,497+78.6% |
| Participation rate | 98.2% | 76.4%+21.8pp | 79.8%+18.4pp | 70.7%+27.5pp |
| Annual return | 16.32% | 19.40%-3.1pp | 45.10%-28.8pp | 28.51%-12.2pp |
| Employer contribution / active EE | $2,772 | $2,210+25.5% | $3,919-29.3% | $2,270+22.1% |
| Participant deferral / active EE | $6,296 | $3,787+66.3% | $5,047+24.7% | $3,740+68.4% |
| Admin fee / account holder | $376 | $713-47.3% | $8,930-95.8% | $513-26.7% |