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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS6 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $38,942 |
WELLS FARGO BANK, N.A.8 years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $34,497 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,809 | $54,245-39.5% | $93,727-65.0% | $77,762-57.8% |
| Participation rate | 57.8% | 63.9%-6.1pp | 68.7%-10.9pp | 70.6%-12.8pp |
| Annual return | 19.45% | 30.58%-11.1pp | 133.83%-114.4pp | 31.27%-11.8pp |
| Employer contribution / active EE | $120 | $1,168-89.7% | $2,421-95.0% | $2,728-95.6% |
| Participant deferral / active EE | $1,886 | $3,144-40.0% | $4,417-57.3% | $4,651-59.4% |
| Admin fee / account holder | $213 | $575-63.0% | $8,292-97.4% | $433-50.8% |