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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES3 years Service code 27 12555 MANCHESTER RD · ST. LOUIS, MO 63131 | Advisory (Plan) | $2,973 |
AMERICAN FUNDS4+ years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $700 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $8,623 | $65,092-86.8% | $143,799-94.0% | $66,938-87.1% |
| Participation rate | 40.0% | 65.2%-25.2pp | 80.3%-40.3pp | 69.8%-29.8pp |
| Annual return | -16.01% | -11.14%-4.9pp | -0.04%-16.0pp | 1.58%-17.6pp |
| Employer contribution / active EE | $704 | $2,362-70.2% | $4,952-85.8% | $2,545-72.4% |
| Participant deferral / active EE | $817 | $2,920-72.0% | $5,638-85.5% | $4,238-80.7% |
| Admin fee / account holder | $78 | $502-84.4% | $14,677-99.5% | $594-86.8% |