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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP Service code 15 6455 IRVINE CENTER DR · IRVINE, CA 92618 | Recordkeeping | $17,219 |
BIG SKY RETIREMENT INC7 years Service code 13 900 N MONTANA AVE · HELENA, MT 59601 | Contract Administrator | $10,748 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,684 | $85,515-79.3% | $112,040-84.2% | $67,986-74.0% |
| Participation rate | 100.0% | 68.2%+31.8pp | 76.5%+23.5pp | 57.2%+42.8pp |
| Annual return | 17.40% | 29.68%-12.3pp | 24.52%-7.1pp | 31.67%-14.3pp |
| Employer contribution / active EE | $784 | $2,191-64.2% | $2,954-73.5% | $2,019-61.2% |
| Participant deferral / active EE | $2,512 | $4,014-37.4% | $5,098-50.7% | $3,358-25.2% |
| Admin fee / account holder | $133 | $3,774-96.5% | $12,098-98.9% | $3,203-95.8% |