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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $862 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,443 | $48,078+23.6% | $78,676-24.4% | $62,881-5.5% |
| Participation rate | 58.7% | 65.2%-6.5pp | 73.6%-14.8pp | 69.3%-10.6pp |
| Annual return | 6.95% | 31.36%-24.4pp | 62.19%-55.2pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,394 | $2,015-30.8% | $2,850-51.1% | $2,281-38.9% |
| Participant deferral / active EE | $2,183 | $2,587-15.6% | $3,517-37.9% | $3,203-31.8% |
| Admin fee / account holder | $15 | $3,206-99.5% | $4,510-99.7% | $4,296-99.6% |