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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $11,554 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $9,887 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $12,515 | $30,107-58.4% | $61,452-79.6% | $64,819-80.7% |
| Participation rate | 36.7% | 36.4%+0.3pp | 52.6%-15.9pp | 71.5%-34.8pp |
| Annual return | -18.55% | -13.99%-4.6pp | 338.96%-357.5pp | 32.84%-51.4pp |
| Employer contribution / active EE | $659 | $537+22.8% | $1,160-43.1% | $2,507-73.7% |
| Participant deferral / active EE | $902 | $1,126-19.9% | $2,125-57.5% | $4,311-79.1% |
| Admin fee / account holder | $69 | $148-53.6% | $2,131-96.8% | $188-63.4% |