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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $838 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $21,685 | $81,474-73.4% | $133,971-83.8% | $73,493-70.5% |
| Participation rate | 58.2% | 76.4%-18.2pp | 79.8%-21.7pp | 70.7%-12.5pp |
| Annual return | 17.63% | 19.40%-1.8pp | 45.09%-27.5pp | 28.51%-10.9pp |
| Employer contribution / active EE | $1,250 | $2,209-43.4% | $3,919-68.1% | $2,270-45.0% |
| Participant deferral / active EE | $3,103 | $3,786-18.1% | $5,047-38.5% | $3,740-17.0% |
| Admin fee / account holder | $7 | $713-99.1% | $8,929-99.9% | $513-98.7% |