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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES4 years Service code 26 2120 GOLDEN HILL RD · PASO ROBLES, CA 93446 | Advisory (Participants) | $29,429 |
HICKS PENSION SERVICES3 years Service code 16 555 CHORRO STREET SUITE C · SAN LUIS OBISPO, CA 93405 | Consulting | $4,275 |
AMERICAN FUNDS4 years Filed as: CAPITAL RESEARCH AND MANAGEMENT COM Service code 15 1 MARKET ST · SAN FRANCISCO, CA 94105 | Recordkeeping | $1,738 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $32,520 | $78,781-58.7% | $100,530-67.7% | $73,412-55.7% |
| Participation rate | 31.7% | 80.0%-48.3pp | 79.4%-47.7pp | 72.2%-40.5pp |
| Annual return | 44.67% | 31.69%+13.0pp | 30.89%+13.8pp | 59.30%-14.6pp |
| Employer contribution / active EE | $804 | $2,420-66.8% | $3,418-76.5% | $2,234-64.0% |
| Participant deferral / active EE | $1,563 | $6,537-76.1% | $6,271-75.1% | $3,806-58.9% |
| Admin fee / account holder | $16 | $145-89.1% | $8,083-99.8% | $158-90.0% |