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| Provider | Service type | Compensation |
|---|---|---|
SWEENEY CONRAD, P.S.1 year Service code 10 · EIN 91-1301672 | Accounting | $10,300 |
AMERICAN FUNDS2+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $612 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $57,975 | $60,165-3.6% | $74,184-21.8% | $55,167+5.1% |
| Participation rate | 41.3% | 74.2%-32.9pp | 76.6%-35.3pp | 69.0%-27.7pp |
| Annual return | 6.72% | 10.00%-3.3pp | 17.74%-11.0pp | 169.23%-162.5pp |
| Employer contribution / active EE | $69 | $1,600-95.7% | $2,370-97.1% | $1,963-96.5% |
| Participant deferral / active EE | $1,659 | $2,973-44.2% | $3,550-53.3% | $3,054-45.7% |
| Admin fee / account holder | $124 | $419-70.4% | $5,586-97.8% | $504-75.4% |