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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $7,000 |
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $5,160 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,578 | $46,732-36.7% | $156,551-81.1% | $55,167-46.4% |
| Participation rate | 24.9% | 65.8%-40.9pp | 84.0%-59.2pp | 69.0%-44.1pp |
| Annual return | 6.12% | 17.72%-11.6pp | 32.23%-26.1pp | 169.23%-163.1pp |
| Employer contribution / active EE | $93 | $2,105-95.6% | $5,501-98.3% | $1,963-95.3% |
| Participant deferral / active EE | $788 | $2,204-64.2% | $4,871-83.8% | $3,054-74.2% |
| Admin fee / account holder | $248 | $418-40.7% | $13,028-98.1% | $504-50.8% |