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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $3,319 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $31,295 | $65,378-52.1% | $87,103-64.1% | $65,186-52.0% |
| Participation rate | 73.0% | 75.3%-2.4pp | 76.9%-3.9pp | 70.2%+2.8pp |
| Annual return | 1.51% | 31.28%-29.8pp | 28.19%-26.7pp | 29.39%-27.9pp |
| Employer contribution / active EE | $267 | $1,823-85.3% | $2,521-89.4% | $2,177-87.7% |
| Participant deferral / active EE | $1,712 | $3,389-49.5% | $4,049-57.7% | $3,514-51.3% |
| Admin fee / account holder | $28 | $520-94.6% | $7,491-99.6% | $847-96.7% |