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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVC Service code 15 · EIN 82-4555287 | Recordkeeping | $101,167 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $60,347 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,739 | $44,626-87.1% | $86,209-93.3% | $80,149-92.8% |
| Participation rate | 65.2% | 63.5%+1.7pp | 69.0%-3.8pp | 72.9%-7.7pp |
| Annual return | 22.95% | 19.61%+3.3pp | 1169.05%-1146.1pp | 40.39%-17.4pp |
| Employer contribution / active EE | $225 | $1,099-79.5% | $2,381-90.6% | $2,977-92.5% |
| Participant deferral / active EE | $1,230 | $2,769-55.6% | $3,986-69.1% | $5,015-75.5% |
| Admin fee / account holder | $115 | $133-13.8% | $6,853-98.3% | $145-20.7% |