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| Provider | Service type | Compensation |
|---|---|---|
PBMARES, LLP2 years Service code 10 · EIN 54-0737372 | Accounting | $680 |
AMERICAN FUNDS3 years Filed as: CAPITAL RESEARCH & MANAGEMENT CO Service code 15 P.O. BOX 6040 · INDIANAPOLIS, IN 462402482 | Recordkeeping | $275 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,065 | $59,267-64.5% | $96,575-78.2% | $79,393-73.5% |
| Participation rate | 40.7% | 61.9%-21.2pp | 69.8%-29.2pp | 70.7%-30.0pp |
| Annual return | 14.25% | 27.08%-12.8pp | 37.79%-23.5pp | 116.87%-102.6pp |
| Employer contribution / active EE | $419 | $1,216-65.5% | $2,357-82.2% | $2,428-82.7% |
| Participant deferral / active EE | $2,163 | $2,947-26.6% | $3,849-43.8% | $4,046-46.5% |
| Admin fee / account holder | $8 | $659-98.8% | $6,182-99.9% | $627-98.7% |