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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5 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.
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 | $33,622 | $71,523-53.0% | $98,461-65.9% | $71,511-53.0% |
| Participation rate | 39.9% | 72.7%-32.8pp | 75.2%-35.3pp | 67.9%-28.0pp |
| Annual return | 18.07% | 32.43%-14.4pp | 21.17%-3.1pp | 28.86%-10.8pp |
| Employer contribution / active EE | $769 | $2,399-67.9% | $3,049-74.8% | $2,589-70.3% |
| Participant deferral / active EE | $2,570 | $4,109-37.5% | $4,738-45.8% | $4,291-40.1% |
| Admin fee / account holder | $31 | $1,676-98.1% | $8,961-99.6% | $1,588-98.0% |