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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 | $79,867-77.9% | $120,344-85.3% | $64,340-72.5% |
| Participation rate | 100.0% | 63.0%+37.0pp | 76.7%+23.3pp | 55.2%+44.8pp |
| Annual return | 17.40% | 21.10%-3.7pp | 20.30%-2.9pp | 24.14%-6.7pp |
| Employer contribution / active EE | $784 | $1,925-59.3% | $3,020-74.0% | $1,862-57.9% |
| Participant deferral / active EE | $2,512 | $3,593-30.1% | $5,135-51.1% | $2,980-15.7% |
| Admin fee / account holder | $133 | $5,039-97.4% | $12,742-99.0% | $3,703-96.4% |