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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $15,645 |
EDWARD JONES1 year Service code 27 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Advisory (Plan) | $5,931 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $6,199 | $46,464-86.7% | $150,298-95.9% | $79,634-92.2% |
| Participation rate | 60.8% | 57.0%+3.9pp | 77.8%-16.9pp | 62.5%-1.7pp |
| Annual return | 14.82% | 27.89%-13.1pp | 62.79%-48.0pp | 36.46%-21.6pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,010 | $2,157-53.2% | $5,453-81.5% | $3,835-73.7% |
| Admin fee / account holder | $106 | $891-88.1% | $14,116-99.2% | $1,002-89.4% |