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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $785 |
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 | $49,280 | $66,319-25.7% | $93,621-47.4% | $65,185-24.4% |
| Participation rate | 51.7% | 74.0%-22.3pp | 75.8%-24.1pp | 70.2%-18.5pp |
| Annual return | 22.89% | 42.59%-19.7pp | 32.76%-9.9pp | 29.38%-6.5pp |
| Employer contribution / active EE | $0 | $2,013-100.0% | $2,719-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,450 | $3,343-26.7% | $4,070-39.8% | $3,514-30.3% |
| Admin fee / account holder | $9 | $6,900-99.9% | $7,890-99.9% | $847-98.9% |