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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5+ 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 | $33,042 | $49,138-32.8% | $84,020-60.7% | $65,185-49.3% |
| Participation rate | 28.4% | 60.7%-32.3pp | 69.0%-40.6pp | 70.2%-41.8pp |
| Annual return | 20.89% | 23.00%-2.1pp | 71.31%-50.4pp | 29.38%-8.5pp |
| Employer contribution / active EE | $598 | $914-34.5% | $1,984-69.8% | $2,177-72.5% |
| Participant deferral / active EE | $885 | $2,397-63.1% | $3,239-72.7% | $3,514-74.8% |
| Admin fee / account holder | $5 | $543-99.1% | $6,101-99.9% | $847-99.5% |