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| Provider | Service type | Compensation |
|---|---|---|
FINANCIAL CONCEPTS, INC.3 years Filed as: FINANCIAL CONCEPTS Service code 27 · EIN 64-0831650 2980 NORTH FRONTAGE RD. · COLUMBUS, MS 39701 | Advisory (Plan) | $10,066 |
Service code 13 · EIN 39-1816008 101 E GRAND AVENUE STE 16 · PORT WASHINGTON, WI 53074 | Contract Administrator | $6,000 |
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT SERVICES Service code 64 · EIN 82-4555287 6455 IRVINE CENTER DRIVE · IRVINE, CA 926184518 | Recordkeeping Fees | $1,425 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,686 | $78,483-68.5% | $106,201-76.8% | $74,546-66.9% |
| Participation rate | 60.1% | 72.8%-12.7pp | 75.3%-15.2pp | 67.2%-7.1pp |
| Annual return | 12.55% | 15.94%-3.4pp | 116.26%-103.7pp | 1366.03%-1353.5pp |
| Employer contribution / active EE | $1,471 | $2,522-41.7% | $3,170-53.6% | $2,624-43.9% |
| Participant deferral / active EE | $2,024 | $4,320-53.2% | $5,012-59.6% | $4,347-53.5% |
| Admin fee / account holder | $170 | $2,236-92.4% | $11,039-98.5% | $1,944-91.3% |