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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: THE CAPITAL GROUP INV ADVISORY Service code 27 · EIN 46-4255096 | Advisory (Plan) | $31,654 |
Service code 37 · EIN 04-2647786 | Loan Processing | $21,429 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,864 | $58,320+26.7% | $86,438-14.5% | $66,938+10.3% |
| Participation rate | 44.8% | 78.6%-33.8pp | 80.3%-35.5pp | 69.8%-25.0pp |
| Annual return | -14.60% | -9.71%-4.9pp | 4397.19%-4411.8pp | 1.58%-16.2pp |
| Employer contribution / active EE | $396 | $2,615-84.9% | $3,769-89.5% | $2,545-84.5% |
| Participant deferral / active EE | $4,233 | $6,899-38.6% | $6,952-39.1% | $4,238-0.1% |
| Admin fee / account holder | $393 | $546-27.9% | $6,733-94.2% | $594-33.7% |