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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $1,181 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,476 | $81,870-60.3% | $119,622-72.9% | $68,486-52.6% |
| Participation rate | 27.1% | 71.9%-44.8pp | 79.3%-52.2pp | 67.9%-40.8pp |
| Annual return | -16.18% | -23.82%+7.6pp | -14.98%-1.2pp | -7.85%-8.3pp |
| Employer contribution / active EE | $873 | $2,692-67.6% | $4,232-79.4% | $2,597-66.4% |
| Participant deferral / active EE | $1,839 | $4,148-55.7% | $5,601-67.2% | $4,028-54.3% |
| Admin fee / account holder | $23 | $6,583-99.7% | $10,328-99.8% | $5,404-99.6% |