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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NYLIFE SECURITIES, LLC Service code 55 6565 AMERICAS PKWY NE, SUITE 500 · ALBUQUERQUE, NM 871108124 | Other Commissions | $3,358 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 · EIN 82-4555287 | Recordkeeping Fees | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $30,509 | $91,167-66.5% | $178,498-82.9% | $79,858-61.8% |
| Participation rate | 67.8% | 69.2%-1.4pp | 81.9%-14.1pp | 69.6%-1.8pp |
| Annual return | 17.26% | 24.19%-6.9pp | 151.09%-133.8pp | 31.72%-14.5pp |
| Employer contribution / active EE | $0 | $3,255-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,861 | $3,236+19.3% | $5,202-25.8% | $3,740+3.2% |
| Admin fee / account holder | $10 | $6,747-99.8% | $13,985-99.9% | $5,306-99.8% |