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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 15 · EIN 82-4555287 6455 IRVINE CENTER DRIVE · IRVINE, CA 926184518 | Recordkeeping | $3,465 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $4,442 | $54,679-91.9% | $76,119-94.2% | $74,459-94.0% |
| Participation rate | 61.2% | 60.3%+0.8pp | 69.1%-7.9pp | 67.2%-6.1pp |
| Annual return | 15.35% | 31.90%-16.5pp | 361.25%-345.9pp | 1369.70%-1354.4pp |
| Employer contribution / active EE | $331 | $1,781-81.4% | $2,693-87.7% | $2,626-87.4% |
| Participant deferral / active EE | $1,571 | $3,072-48.9% | $4,259-63.1% | $4,350-63.9% |
| Admin fee / account holder | $7 | $2,238-99.7% | $6,421-99.9% | $1,945-99.6% |