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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS6+ years Service code 15 · EIN 95-6817943 | Recordkeeping | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,294 | $53,901-67.9% | $134,155-87.1% | $73,493-76.5% |
| Participation rate | 38.5% | 62.8%-24.3pp | 72.2%-33.7pp | 70.7%-32.2pp |
| Annual return | 16.63% | 15.82%+0.8pp | 36.34%-19.7pp | 28.51%-11.9pp |
| Employer contribution / active EE | $563 | $1,458-61.4% | $3,705-84.8% | $2,270-75.2% |
| Participant deferral / active EE | $794 | $2,739-71.0% | $3,500-77.3% | $3,740-78.8% |
| Admin fee / account holder | $11 | $581-98.1% | $6,685-99.8% | $513-97.8% |