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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 | $1,888 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 49 · EIN 26-4310632 | Other Services | $19 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $20,376 | $56,640-64.0% | $78,002-73.9% | $55,167-63.1% |
| Participation rate | 90.9% | 73.3%+17.6pp | 75.5%+15.4pp | 69.0%+21.9pp |
| Annual return | 8.67% | 2868.48%-2859.8pp | 425.99%-417.3pp | 169.23%-160.6pp |
| Employer contribution / active EE | $3 | $1,724-99.8% | $2,470-99.9% | $1,963-99.8% |
| Participant deferral / active EE | $1,867 | $2,778-32.8% | $3,497-46.6% | $3,054-38.9% |
| Admin fee / account holder | $8 | $467-98.2% | $5,481-99.9% | $504-98.4% |