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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: THE CAPITAL GROUP INV ADVISORY Service code 27 · EIN 46-4255096 | Advisory (Plan) | $29,859 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,330 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Form 5500 reported that benefits due were not provided when due.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,000 | $69,477+18.0% | $94,679-13.4% | $71,495+14.7% |
| Participation rate | 56.2% | 78.4%-22.3pp | 80.8%-24.7pp | 67.9%-11.8pp |
| Annual return | 16.25% | 29.66%-13.4pp | 156.75%-140.5pp | 28.85%-12.6pp |
| Employer contribution / active EE | $549 | $2,853-80.8% | $3,673-85.1% | $2,589-78.8% |
| Participant deferral / active EE | $5,961 | $7,345-18.8% | $7,417-19.6% | $4,291+38.9% |
| Admin fee / account holder | $356 | $1,210-70.6% | $7,233-95.1% | $1,588-77.6% |