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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES2+ years Service code 27 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Advisory (Plan) | $8,472 |
AMERICAN FUNDS2+ years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,720 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,188 | $26,906-28.7% | $61,399-68.7% | $77,906-75.4% |
| Participation rate | 10.6% | 33.4%-22.8pp | 52.6%-41.9pp | 73.7%-63.0pp |
| Annual return | -14.47% | -14.46%0pp | 338.81%-353.3pp | 12.16%-26.6pp |
| Employer contribution / active EE | $92 | $521-82.3% | $1,159-92.1% | $2,846-96.8% |
| Participant deferral / active EE | $248 | $1,180-78.9% | $2,124-88.3% | $4,805-94.8% |
| Admin fee / account holder | $73 | $117-38.0% | $2,131-96.6% | $133-45.3% |