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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $2,427 |
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).
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 | $23,578 | $75,962-69.0% | $154,111-84.7% | $64,173-63.3% |
| Participation rate | 47.4% | 70.4%-23.0pp | 83.0%-35.6pp | 69.6%-22.1pp |
| Annual return | -4.56% | 30.32%-34.9pp | 735.18%-739.7pp | 7.63%-12.2pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,745 | $3,175-45.0% | $5,081-65.7% | $3,470-49.7% |
| Admin fee / account holder | $32 | $5,589-99.4% | $13,411-99.8% | $4,887-99.3% |