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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ 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 | $22,945 | $42,546-46.1% | $71,796-68.0% | $55,167-58.4% |
| Participation rate | 28.4% | 59.1%-30.7pp | 69.1%-40.7pp | 69.0%-40.6pp |
| Annual return | 6.88% | 12.36%-5.5pp | 78.04%-71.2pp | 169.23%-162.3pp |
| Employer contribution / active EE | $509 | $803-36.6% | $1,924-73.5% | $1,963-74.0% |
| Participant deferral / active EE | $780 | $2,064-62.2% | $2,794-72.1% | $3,054-74.4% |
| Admin fee / account holder | $12 | $650-98.1% | $4,815-99.7% | $504-97.6% |