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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,293 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $8,004 | $28,416-71.8% | $73,545-89.1% | $69,631-88.5% |
| Participation rate | 22.6% | 38.3%-15.8pp | 54.9%-32.3pp | 70.7%-48.1pp |
| Annual return | 14.89% | -694.13%+709.0pp | -15.16%+30.0pp | 27571.02%-27556.1pp |
| Employer contribution / active EE | $120 | $430-72.2% | $1,219-90.2% | $2,032-94.1% |
| Participant deferral / active EE | $280 | $897-68.7% | $1,806-84.5% | $3,224-91.3% |
| Admin fee / account holder | $8 | $104-92.3% | $2,320-99.7% | $110-92.7% |