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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $675 |
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 | $30,664 | $55,636-44.9% | $81,991-62.6% | $73,493-58.3% |
| Participation rate | 55.5% | 62.3%-6.8pp | 69.3%-13.8pp | 70.7%-15.2pp |
| Annual return | 16.41% | 19.07%-2.7pp | 41.31%-24.9pp | 28.51%-12.1pp |
| Employer contribution / active EE | $596 | $1,625-63.3% | $2,498-76.1% | $2,270-73.7% |
| Participant deferral / active EE | $1,348 | $2,762-51.2% | $3,722-63.8% | $3,740-63.9% |
| Admin fee / account holder | $6 | $493-98.9% | $5,665-99.9% | $513-98.9% |