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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS7 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $14,615 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,034 | $61,166-29.6% | $186,193-76.9% | $64,728-33.5% |
| Participation rate | 59.6% | 40.4%+19.3pp | 77.1%-17.5pp | 57.9%+1.8pp |
| Annual return | 15.43% | 18.93%-3.5pp | 78.03%-62.6pp | 49.38%-34.0pp |
| Employer contribution / active EE | $106 | $1,526-93.0% | $3,918-97.3% | $2,243-95.3% |
| Participant deferral / active EE | $643 | $2,160-70.2% | $6,513-90.1% | $2,729-76.4% |
| Admin fee / account holder | $49 | $1,422-96.5% | $11,058-99.6% | $1,145-95.7% |