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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS6 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 64 · EIN 82-4555287 | Recordkeeping Fees | $38,521 |
SAGEVIEW ADVISORY GROUP, LLC9 years Service code 27 1920 MAIN ST. · IRVINE, CA 92614 | Advisory (Plan) | $22,497 |
USI CONSULTING GROUP1 year Service code 12 · EIN 06-1053228 | Finders' fees / placement fees; Parti... | $20,687 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,416 | $58,969-19.6% | $129,406-63.4% | $77,762-39.0% |
| Participation rate | 52.2% | 59.5%-7.3pp | 69.6%-17.5pp | 70.6%-18.4pp |
| Annual return | 11.61% | 24.78%-13.2pp | 9468.18%-9456.6pp | 31.27%-19.7pp |
| Employer contribution / active EE | $1,301 | $1,959-33.6% | $4,155-68.7% | $2,728-52.3% |
| Participant deferral / active EE | $2,431 | $3,224-24.6% | $4,167-41.7% | $4,651-47.7% |
| Admin fee / account holder | $127 | $593-78.6% | $7,689-98.4% | $433-70.7% |