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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO. Service code 15 · EIN 95-6817943 | Recordkeeping | $1,175 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,223 | $44,229-95.0% | $155,790-98.6% | $55,191-96.0% |
| Participation rate | 68.0% | 60.8%+7.2pp | 76.1%-8.1pp | 69.2%-1.2pp |
| Annual return | -3.62% | 0.37%-4.0pp | 71.54%-75.2pp | 10.78%-14.4pp |
| Employer contribution / active EE | $365 | $1,317-72.3% | $3,836-90.5% | $1,899-80.8% |
| Participant deferral / active EE | $1,183 | $2,851-58.5% | $4,797-75.3% | $3,046-61.2% |
| Admin fee / account holder | $5 | $86-94.8% | $7,478-99.9% | $91-95.0% |