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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 | $54,558-91.9% | $76,051-94.2% | $74,400-94.0% |
| Participation rate | 61.2% | 60.3%+0.8pp | 69.1%-7.9pp | 67.2%-6.1pp |
| Annual return | 15.35% | 31.83%-16.5pp | 360.42%-345.1pp | 1367.51%-1352.2pp |
| Employer contribution / active EE | $331 | $1,778-81.4% | $2,690-87.7% | $2,624-87.4% |
| Participant deferral / active EE | $1,571 | $3,065-48.7% | $4,257-63.1% | $4,348-63.9% |
| Admin fee / account holder | $7 | $2,232-99.7% | $6,416-99.9% | $1,944-99.6% |