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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $1,157 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,071 | $46,297-26.4% | $71,671-52.5% | $62,293-45.3% |
| Participation rate | 59.2% | 60.6%-1.5pp | 68.7%-9.6pp | 69.5%-10.3pp |
| Annual return | 16.99% | 22.32%-5.3pp | 20.65%-3.7pp | 28.90%-11.9pp |
| Employer contribution / active EE | $832 | $1,412-41.1% | $2,460-66.2% | $2,042-59.3% |
| Participant deferral / active EE | $2,197 | $2,235-1.7% | $3,438-36.1% | $3,169-30.7% |
| Admin fee / account holder | $11 | $461-97.5% | $5,558-99.8% | $479-97.6% |