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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $9,433 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL, LLC Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $7,297 |
R.D. HOAG & ASSOCIATES, LLC5 years Filed as: RD HOAG & ASSOCIATES PC Service code 10 555 N BELL AVE · CARNEGIE, PA 15106 | Accounting | $6,975 |
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.)
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 | $52,630 | $61,166-14.0% | $185,849-71.7% | $79,391-33.7% |
| Participation rate | 24.7% | 66.6%-42.0pp | 81.7%-57.1pp | 70.7%-46.1pp |
| Annual return | 14.73% | 19.45%-4.7pp | 122.10%-107.4pp | 116.88%-102.2pp |
| Employer contribution / active EE | $739 | $2,321-68.2% | $5,169-85.7% | $2,428-69.6% |
| Participant deferral / active EE | $1,043 | $2,789-62.6% | $5,569-81.3% | $4,046-74.2% |
| Admin fee / account holder | $349 | $710-50.9% | $16,244-97.9% | $627-44.4% |