Filed June 4, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $19,921 |
AMERICAN FUNDS3 years Filed as: CAPITAL ASSET ADVISORY SVCS Service code 26 · EIN 38-3470125 | Advisory (Participants) | $16,813 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,752 | $51,223-28.3% | $82,763-55.6% | $66,949-45.1% |
| Participation rate | 43.5% | 67.9%-24.5pp | 72.6%-29.1pp | 69.8%-26.4pp |
| Annual return | -15.91% | -9.85%-6.1pp | 702.45%-718.4pp | 1.57%-17.5pp |
| Employer contribution / active EE | $872 | $2,611-66.6% | $3,008-71.0% | $2,545-65.8% |
| Participant deferral / active EE | $1,623 | $3,460-53.1% | $4,395-63.1% | $4,239-61.7% |
| Admin fee / account holder | $408 | $415-1.8% | $5,325-92.3% | $594-31.3% |