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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: HM CAPITAL MANAGEMENT LLC Service code 27 · EIN 20-3287389 | Advisory (Plan) | $40,800 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,599 |
RUBINBROWN LLP6 years Service code 10 · EIN 43-0765316 | Accounting | $12,500 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $127,427 | $93,182+36.8% | $146,647-13.1% | $79,389+60.5% |
| Participation rate | 95.7% | 76.4%+19.2pp | 80.1%+15.6pp | 70.7%+24.9pp |
| Annual return | 12.50% | 21.61%-9.1pp | 22.75%-10.2pp | 116.89%-104.4pp |
| Employer contribution / active EE | $2,779 | $2,420+14.9% | $4,137-32.8% | $2,428+14.5% |
| Participant deferral / active EE | $6,217 | $4,169+49.1% | $5,506+12.9% | $4,046+53.7% |
| Admin fee / account holder | $338 | $585-42.3% | $10,281-96.7% | $626-46.1% |