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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL BANK AND TRUST Service code 15 · EIN 95-6817943 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $20,536 | $39,245-47.7% | $64,105-68.0% | $52,331-60.8% |
| Participation rate | 30.5% | 58.2%-27.7pp | 68.2%-37.6pp | 68.1%-37.6pp |
| Annual return | -0.87% | 14.79%-15.7pp | 791.24%-792.1pp | 4.54%-5.4pp |
| Employer contribution / active EE | $590 | $736-19.8% | $1,820-67.6% | $1,882-68.6% |
| Participant deferral / active EE | $928 | $1,992-53.4% | $2,822-67.1% | $3,022-69.3% |
| Admin fee / account holder | $1 | $592-99.8% | $4,499-100.0% | $592-99.8% |