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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 45-3264817 101 EAST BROADWAY · EUGENE, OR 97401 | Advisory (Plan) | $38,202 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 15 · EIN 82-4555287 | Recordkeeping | $11,625 |
PENSION ASSURANCE LLP1 year Filed as: PENSION PLANNERS NORTHWEST Service code 16 · EIN 93-1160402 | Consulting | $7,369 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,761 | $69,383-29.7% | $101,275-51.9% | $73,497-33.7% |
| Participation rate | 99.3% | 68.4%+30.9pp | 75.8%+23.5pp | 70.7%+28.6pp |
| Annual return | 12.10% | 18.46%-6.4pp | 46.48%-34.4pp | 28.51%-16.4pp |
| Employer contribution / active EE | $3,868 | $2,628+47.2% | $3,660+5.7% | $2,270+70.4% |
| Participant deferral / active EE | $3,483 | $3,301+5.5% | $4,371-20.3% | $3,740-6.9% |
| Admin fee / account holder | $385 | $704-45.3% | $5,948-93.5% | $513-25.0% |