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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: BAY BRIDGE CAPITAL GROUP Service code 27 · EIN 47-5067434 | Advisory (Plan) | $28,711 |
Service code 37 · EIN 04-2647786 | Loan Processing | $19,426 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,372 | $23,224+65.2% | $71,086-46.0% | $55,725-31.1% |
| Participation rate | 18.3% | 37.9%-19.6pp | 54.7%-36.4pp | 70.9%-52.6pp |
| Annual return | -6.46% | -2.87%-3.6pp | 650.59%-657.0pp | 244.93%-251.4pp |
| Employer contribution / active EE | $0 | $436-100.0% | $1,088-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $755 | $929-18.7% | $1,874-59.7% | $3,356-77.5% |
| Admin fee / account holder | $260 | $118+120.6% | $3,082-91.6% | $115+125.9% |