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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $11,303 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL, LLC Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $7,297 |
R.D. HOAG & ASSOCIATES, LLC3 years Filed as: RD HOAG & ASSOCIATES PC Service code 10 555 N BELL AVE STE 100 · CARNEGIE, PA 15106 | Accounting | $6,850 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $31,467 | $52,961-40.6% | $172,752-81.8% | $65,185-51.7% |
| Participation rate | 25.6% | 66.2%-40.6pp | 82.6%-57.1pp | 70.2%-44.6pp |
| Annual return | 18.97% | 30.12%-11.2pp | 802.97%-784.0pp | 29.38%-10.4pp |
| Employer contribution / active EE | $601 | $2,190-72.6% | $5,144-88.3% | $2,177-72.4% |
| Participant deferral / active EE | $917 | $2,471-62.9% | $5,198-82.4% | $3,514-73.9% |
| Admin fee / account holder | $349 | $472-26.1% | $13,955-97.5% | $847-58.8% |