Filed June 4, 2025
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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL ASSET ADVISORY SVCS Service code 26 · EIN 38-3470125 | Advisory (Participants) | $12,831 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $513 |
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $173 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $34,313 | $66,124-48.1% | $90,461-62.1% | $73,497-53.3% |
| Participation rate | 35.1% | 69.7%-34.6pp | 72.7%-37.6pp | 70.7%-35.6pp |
| Annual return | 16.56% | 17.65%-1.1pp | 1294.76%-1278.2pp | 28.51%-12.0pp |
| Employer contribution / active EE | $481 | $2,346-79.5% | $3,264-85.3% | $2,270-78.8% |
| Participant deferral / active EE | $893 | $3,039-70.6% | $3,964-77.5% | $3,740-76.1% |
| Admin fee / account holder | $348 | $396-12.1% | $5,617-93.8% | $513-32.1% |