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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 45-3264817 101 EAST BROADWAY · EUGENE, OR 97401 | Advisory (Plan) | $39,753 |
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH & MANAGEMENT COMPA Service code 15 333 S HOPE STREET, 55TH FLOOR · LOS ANGELES, CA 900711406 | Recordkeeping | $9,033 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,093 | $63,114-14.3% | $92,915-41.8% | $65,186-17.0% |
| Participation rate | 80.6% | 68.8%+11.8pp | 76.0%+4.6pp | 70.2%+10.4pp |
| Annual return | 17.07% | 28.75%-11.7pp | 109.45%-92.4pp | 29.39%-12.3pp |
| Employer contribution / active EE | $1,488 | $2,571-42.1% | $3,653-59.3% | $2,177-31.6% |
| Participant deferral / active EE | $3,639 | $3,108+17.1% | $4,238-14.1% | $3,514+3.6% |
| Admin fee / account holder | $530 | $624-14.9% | $5,796-90.8% | $847-37.4% |