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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Service code 15 12711 N. MERIDIAN STREET · CARMEL, IN 46032 | Recordkeeping | $2,125 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $27,446 | $75,183-63.5% | $123,894-77.8% | $55,167-50.3% |
| Participation rate | 56.0% | 72.8%-16.8pp | 81.4%-25.4pp | 69.0%-13.0pp |
| Annual return | 16.62% | 19.01%-2.4pp | 47.52%-30.9pp | 169.23%-152.6pp |
| Employer contribution / active EE | $3,189 | $2,823+13.0% | $4,617-30.9% | $1,963+62.5% |
| Participant deferral / active EE | $7,415 | $5,084+45.8% | $5,984+23.9% | $3,054+142.8% |
| Admin fee / account holder | $13 | $663-98.1% | $8,357-99.8% | $504-97.5% |