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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL ONE N A Service code 55 · EIN 72-6122740 | Other Commissions | $50,584 |
Service code 37 · EIN 04-2647786 | Loan Processing | $10,225 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,394 | $107,378-36.3% | $108,582-37.0% | $57,658+18.6% |
| Participation rate | 69.5% | 77.1%-7.6pp | 79.6%-10.1pp | 70.2%-0.7pp |
| Annual return | -3.37% | 12.80%-16.2pp | -51.70%+48.3pp | 5.13%-8.5pp |
| Employer contribution / active EE | $1,492 | $1,782-16.3% | $3,758-60.3% | $1,974-24.4% |
| Participant deferral / active EE | $4,851 | $3,221+50.6% | $4,311+12.5% | $3,061+58.5% |
| Admin fee / account holder | $39 | $108-63.6% | $7,645-99.5% | $95-58.2% |