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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $825 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $24,248 | $85,766-71.7% | $136,298-82.2% | $70,126-65.4% |
| Participation rate | 90.7% | 74.2%+16.6pp | 81.9%+8.8pp | 69.5%+21.2pp |
| Annual return | 23.66% | 31.46%-7.8pp | 5156.27%-5132.6pp | 73.15%-49.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,427 | $5,051-12.4% | $6,247-29.1% | $3,332+32.9% |
| Admin fee / account holder | $5 | $5,421-99.9% | $9,244-99.9% | $4,645-99.9% |