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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES4 years Service code 27 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Advisory (Plan) | $23,682 |
Filed as: DYATECH, LLC Service code 13 381 HIGHLAND COLONY PKWY · RIDGELAND, CA 39157 | Contract Administrator | $9,458 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $2,113 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $61,155 | $96,805-36.8% | $153,741-60.2% | $77,762-21.4% |
| Participation rate | 40.1% | 81.6%-41.5pp | 77.1%-37.0pp | 70.6%-30.5pp |
| Annual return | 20.07% | 14.39%+5.7pp | 15.71%+4.4pp | 31.27%-11.2pp |
| Employer contribution / active EE | $1,885 | $5,232-64.0% | $5,042-62.6% | $2,728-30.9% |
| Participant deferral / active EE | $2,992 | $6,601-54.7% | $6,757-55.7% | $4,651-35.7% |
| Admin fee / account holder | $111 | $182-39.2% | $12,749-99.1% | $433-74.4% |