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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $7,430 |
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.
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 | $24,999 | $45,719-45.3% | $96,161-74.0% | $93,010-73.1% |
| Participation rate | 15.3% | 45.8%-30.5pp | 68.4%-53.1pp | 73.9%-58.6pp |
| Annual return | 11.67% | 3211.95%-3200.3pp | 192.01%-180.3pp | 158.70%-147.0pp |
| Employer contribution / active EE | $248 | $1,139-78.2% | $2,798-91.1% | $2,705-90.8% |
| Participant deferral / active EE | $821 | $2,344-65.0% | $4,349-81.1% | $4,561-82.0% |
| Admin fee / account holder | $28 | $128-78.3% | $5,538-99.5% | $152-81.7% |