| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES7 years Service code 27 · EIN 43-0345811 12555 MANCHESTER RD · ST. LOUIS, MO 63131 | Advisory (Plan) | $34,159 |
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $15,556 |
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.
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 | $116,840 | $93,010+25.6% | $96,543+21.0% | $74,478+56.9% |
| Participation rate | 38.3% | 71.6%-33.3pp | 74.3%-36.1pp | 70.7%-32.5pp |
| Annual return | 18.47% | 37.50%-19.0pp | 35.75%-17.3pp | 34.37%-15.9pp |
| Employer contribution / active EE | $0 | $3,427-100.0% | $3,741-100.0% | $2,637-100.0% |
| Participant deferral / active EE | $3,342 | $3,971-15.9% | $4,880-31.5% | $4,530-26.2% |
| Admin fee / account holder | $291 | $633-54.1% | $6,737-95.7% | $347-16.3% |