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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC1 year Filed as: FUTUREPLAN BY ASCENSUS Service code 10 · EIN 82-3719843 | Accounting | $1,595 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN Service code 15 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping | $1,172 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $7,143 | $26,549-73.1% | $61,452-88.4% | $66,938-89.3% |
| Participation rate | 27.5% | 38.1%-10.6pp | 52.6%-25.1pp | 69.8%-42.4pp |
| Annual return | -29.34% | -16.21%-13.1pp | 338.96%-368.3pp | 1.58%-30.9pp |
| Employer contribution / active EE | $488 | $651-25.1% | $1,160-57.9% | $2,545-80.8% |
| Participant deferral / active EE | $1,243 | $1,338-7.1% | $2,125-41.5% | $4,238-70.7% |
| Admin fee / account holder | $24 | $409-94.2% | $2,131-98.9% | $594-96.0% |