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| Provider | Service type | Compensation |
|---|---|---|
Service code 10 · EIN 54-2190047 | Accounting | $28,000 |
Service code 27 18 MANOR RD · SMITHTOWN, NY 11787 | Advisory (Plan) | $14,364 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $9,441 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,314 | $84,628-60.6% | $61,501-45.8% | $134,545-75.2% |
| Participation rate | 44.4% | 62.2%-17.8pp | 52.6%-8.1pp | 81.2%-36.8pp |
| Annual return | -15.82% | 585.61%-601.4pp | 339.04%-354.9pp | 418.37%-434.2pp |
| Employer contribution / active EE | $0 | $1,545-100.0% | $1,160-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $8,202 | $2,819+191.0% | $2,125+286.0% | $6,401+28.1% |
| Admin fee / account holder | $677 | $2,587-73.8% | $2,132-68.2% | $11,431-94.1% |