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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: THE CAPITAL GROUP INV ADVISORY Service code 27 · EIN 46-4255096 | Advisory (Plan) | $34,780 |
Service code 37 · EIN 04-2647786 | Loan Processing | $20,252 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,129 | $78,976+10.3% | $100,383-13.2% | $74,546+16.9% |
| Participation rate | 62.3% | 79.5%-17.2pp | 81.5%-19.2pp | 67.2%-5.0pp |
| Annual return | 14.02% | 20.62%-6.6pp | 49.26%-35.2pp | 1366.03%-1352.0pp |
| Employer contribution / active EE | $554 | $3,019-81.7% | $3,944-86.0% | $2,624-78.9% |
| Participant deferral / active EE | $6,036 | $7,758-22.2% | $8,086-25.4% | $4,347+38.8% |
| Admin fee / account holder | $391 | $1,330-70.6% | $7,900-95.1% | $1,944-79.9% |