| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES8 years Service code 27 · EIN 43-0345811 12555 MANCHESTER RD · ST. LOUIS, MO 63131 | Advisory (Plan) | $40,828 |
AMERICAN FUNDS6 years Filed as: CAPITAL GROUP RETIREMENT PLAN Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $8,941 |
ASCENSUS LLC1 year Filed as: PENSION ADMINISTRATORS Service code 13 18033 OAK STREET · OMAHA, NE 68130 | Contract Administrator | $1,256 |
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 | $112,375 | $83,023+35.4% | $102,437+9.7% | $77,762+44.5% |
| Participation rate | 36.8% | 71.5%-34.8pp | 74.5%-37.8pp | 70.6%-33.8pp |
| Annual return | 17.24% | 19.12%-1.9pp | 24.95%-7.7pp | 31.27%-14.0pp |
| Employer contribution / active EE | $0 | $3,552-100.0% | $3,871-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,643 | $4,110-11.4% | $5,060-28.0% | $4,651-21.7% |
| Admin fee / account holder | $279 | $639-56.4% | $8,388-96.7% | $433-35.6% |