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| Provider | Service type | Compensation |
|---|---|---|
PBMARES, LLP1 year Service code 10 · EIN 54-0737372 | Accounting | $2,210 |
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH & MANAGEMENT CO Service code 15 P.O. BOX 6040 · INDIANAPOLIS, IN 462402482 | Recordkeeping | $640 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,253 | $54,573-66.6% | $90,970-79.9% | $73,497-75.2% |
| Participation rate | 39.6% | 61.2%-21.6pp | 69.0%-29.4pp | 70.7%-31.1pp |
| Annual return | 93.32% | 16.69%+76.6pp | 134.60%-41.3pp | 28.51%+64.8pp |
| Employer contribution / active EE | $334 | $991-66.3% | $2,122-84.2% | $2,270-85.3% |
| Participant deferral / active EE | $1,434 | $2,517-43.0% | $3,373-57.5% | $3,740-61.6% |
| Admin fee / account holder | $28 | $521-94.6% | $5,961-99.5% | $513-94.5% |