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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ 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 | $30,474 | $51,466-40.8% | $78,778-61.3% | $62,293-51.1% |
| Participation rate | 25.9% | 59.8%-33.8pp | 69.2%-43.2pp | 69.5%-43.6pp |
| Annual return | 17.81% | 19.96%-2.1pp | 35.62%-17.8pp | 28.90%-11.1pp |
| Employer contribution / active EE | $501 | $827-39.4% | $1,986-74.8% | $2,042-75.5% |
| Participant deferral / active EE | $732 | $2,147-65.9% | $2,958-75.3% | $3,169-76.9% |
| Admin fee / account holder | $6 | $489-98.8% | $5,134-99.9% | $479-98.8% |