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| Provider | Service type | Compensation |
|---|---|---|
NICHOLAS PENSION CONSULTANTS4 years Service code 13 10933 TRADE CENTER DRIVE · RANCHO CORDOVA, CA 95670 | Contract Administrator | $15,507 |
EDWARD JONES1 year Service code 27 12555 MANCHESTER RD · ST. LOUIS, MO 63131 | Advisory (Plan) | $7,474 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERV Service code 64 · EIN 82-4555287 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $2,537 |
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.
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 | $52,971 | $101,672-47.9% | $147,117-64.0% | $74,478-28.9% |
| Participation rate | 66.8% | 75.5%-8.7pp | 82.2%-15.3pp | 67.2%-0.4pp |
| Annual return | 23.92% | 8757.83%-8733.9pp | 420.54%-396.6pp | 1370.56%-1346.6pp |
| Employer contribution / active EE | $524 | $3,813-86.3% | $4,932-89.4% | $2,626-80.0% |
| Participant deferral / active EE | $6,892 | $7,305-5.6% | $8,065-14.5% | $4,350+58.4% |
| Admin fee / account holder | $253 | $1,753-85.6% | $12,993-98.1% | $1,946-87.0% |