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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 | $2,323 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $30,542 | $73,638-58.5% | $95,964-68.2% | $73,497-58.4% |
| Participation rate | 87.4% | 76.2%+11.2pp | 77.1%+10.3pp | 70.7%+16.7pp |
| Annual return | 13.67% | 16.78%-3.1pp | 91.64%-78.0pp | 28.51%-14.8pp |
| Employer contribution / active EE | $305 | $1,863-83.6% | $2,541-88.0% | $2,270-86.6% |
| Participant deferral / active EE | $1,994 | $3,617-44.9% | $4,167-52.2% | $3,740-46.7% |
| Admin fee / account holder | $16 | $482-96.7% | $6,797-99.8% | $513-96.9% |