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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $513 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $440 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $30,277 | $39,245-22.9% | $64,105-52.8% | $52,331-42.1% |
| Participation rate | 51.1% | 58.2%-7.1pp | 68.2%-17.0pp | 68.1%-17.0pp |
| Annual return | -1.30% | 14.79%-16.1pp | 791.24%-792.5pp | 4.54%-5.8pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,106 | $1,992+5.8% | $2,822-25.3% | $3,022-30.3% |
| Admin fee / account holder | $11 | $592-98.2% | $4,499-99.8% | $592-98.2% |