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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $1,707 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $29,037 | $44,764-35.1% | $68,794-57.8% | $64,814-55.2% |
| Participation rate | 24.2% | 64.8%-40.6pp | 69.0%-44.8pp | 71.5%-47.3pp |
| Annual return | -17.40% | -10.91%-6.5pp | -6.37%-11.0pp | 32.84%-50.2pp |
| Employer contribution / active EE | $0 | $1,775-100.0% | $2,656-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,353 | $3,238-58.2% | $3,941-65.7% | $4,310-68.6% |
| Admin fee / account holder | $14 | $151-90.8% | $4,934-99.7% | $188-92.5% |