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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 | $95,084-81.4% | $140,514-87.4% | $69,733-74.6% |
| Participation rate | 100.0% | 68.7%+31.3pp | 77.8%+22.2pp | 62.5%+37.5pp |
| Annual return | 17.40% | 18.56%-1.2pp | 14.36%+3.0pp | 15.22%+2.2pp |
| Employer contribution / active EE | $784 | $2,405-67.4% | $3,378-76.8% | $2,250-65.2% |
| Participant deferral / active EE | $2,512 | $3,868-35.1% | $4,919-48.9% | $3,054-17.8% |
| Admin fee / account holder | $133 | $4,885-97.3% | $13,697-99.0% | $3,102-95.7% |