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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS7 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $503 |
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.
Annual investment return 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.
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 | $60,475 | $81,334-25.6% | $113,397-46.7% | $64,097-5.7% |
| Participation rate | 69.0% | 65.6%+3.3pp | 76.5%-7.5pp | 55.2%+13.8pp |
| Annual return | 12.30% | 32.50%-20.2pp | 23.20%-10.9pp | 34.64%-22.3pp |
| Employer contribution / active EE | $544 | $2,077-73.8% | $2,977-81.7% | $1,891-71.3% |
| Participant deferral / active EE | $2,835 | $3,795-25.3% | $5,076-44.2% | $3,080-8.0% |
| Admin fee / account holder | $4 | $4,208-99.9% | $11,957-100.0% | $3,454-99.9% |