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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS8+ 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $25,683 | $49,451-48.1% | $79,576-67.7% | $66,930-61.6% |
| Participation rate | 42.9% | 61.3%-18.4pp | 69.5%-26.6pp | 69.8%-26.9pp |
| Annual return | -16.50% | 84.25%-100.8pp | 0.15%-16.6pp | 1.57%-18.1pp |
| Employer contribution / active EE | $1,006 | $1,266-20.5% | $2,413-58.3% | $2,545-60.5% |
| Participant deferral / active EE | $1,508 | $3,159-52.3% | $3,985-62.2% | $4,238-64.4% |
| Admin fee / account holder | $4 | $595-99.4% | $6,834-99.9% | $593-99.4% |