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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO Service code 64 · EIN 95-1411037 | Recordkeeping Fees | $11,925 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $265 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $9,338 | $48,064-80.6% | $78,778-88.1% | $69,631-86.6% |
| Participation rate | 68.2% | 61.6%+6.7pp | 69.2%-1.0pp | 70.7%-2.5pp |
| Annual return | 16.32% | 21.81%-5.5pp | 35.62%-19.3pp | 27571.02%-27554.7pp |
| Employer contribution / active EE | $269 | $744-63.9% | $1,986-86.5% | $2,032-86.8% |
| Participant deferral / active EE | $1,327 | $2,079-36.2% | $2,958-55.2% | $3,224-58.8% |
| Admin fee / account holder | $20 | $152-87.0% | $5,134-99.6% | $110-82.1% |