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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: COASTAL CAPITAL GROUP Service code 27 · EIN 47-3835496 | Advisory (Plan) | $18,834 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,489 |
BOIVIN & ASSOCIATES1 year Service code 10 · EIN 27-1516157 | Accounting | $6,500 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $53,758 | $73,102-26.5% | $123,553-56.5% | $56,289-4.5% |
| Participation rate | 52.3% | 74.3%-22.0pp | 82.3%-29.9pp | 69.9%-17.5pp |
| Annual return | 0.92% | 3.01%-2.1pp | 119.21%-118.3pp | -9.96%+10.9pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $5,400 | $5,423-0.4% | $6,426-16.0% | $3,350+61.2% |
| Admin fee / account holder | $353 | $554-36.2% | $9,284-96.2% | $521-32.2% |