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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS Service code 15 · EIN 82-4555287 | Recordkeeping | $1,825 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,039 | $77,677-38.2% | $109,188-56.0% | $79,389-39.5% |
| Participation rate | 32.2% | 67.8%-35.6pp | 75.9%-43.7pp | 70.7%-38.5pp |
| Annual return | 10.35% | 23.44%-13.1pp | 25.76%-15.4pp | 116.89%-106.5pp |
| Employer contribution / active EE | $930 | $2,798-66.8% | $3,723-75.0% | $2,428-61.7% |
| Participant deferral / active EE | $2,179 | $3,517-38.1% | $4,654-53.2% | $4,046-46.2% |
| Admin fee / account holder | $33 | $732-95.5% | $6,755-99.5% | $626-94.7% |