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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3 years Filed as: CAPITAL BANK & TRUST/AMERICAN FUNDS Service code 19 · EIN 95-6817943 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,460 | $79,438-61.7% | $106,551-71.4% | $79,393-61.6% |
| Participation rate | 42.1% | 74.2%-32.0pp | 76.1%-34.0pp | 70.7%-28.6pp |
| Annual return | 26.40% | 18.27%+8.1pp | 26.80%-0.4pp | 116.87%-90.5pp |
| Employer contribution / active EE | $727 | $2,235-67.5% | $2,819-74.2% | $2,428-70.1% |
| Participant deferral / active EE | $1,943 | $3,824-49.2% | $4,398-55.8% | $4,046-52.0% |
| Admin fee / account holder | $174 | $523-66.7% | $7,408-97.6% | $627-72.2% |