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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,469 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,772 | $65,437-37.7% | $86,698-53.0% | $66,949-39.1% |
| Participation rate | 92.5% | 75.5%+17.1pp | 76.6%+15.9pp | 69.8%+22.7pp |
| Annual return | -15.45% | -10.91%-4.5pp | 35.96%-51.4pp | 1.57%-17.0pp |
| Employer contribution / active EE | $393 | $2,154-81.8% | $2,837-86.2% | $2,545-84.6% |
| Participant deferral / active EE | $2,525 | $4,102-38.5% | $4,656-45.8% | $4,239-40.4% |
| Admin fee / account holder | $21 | $642-96.8% | $7,492-99.7% | $594-96.5% |