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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 45-3264817 101 EAST BROADWAY · EUGENE, OR 97401 | Advisory (Plan) | $49,024 |
Service code 16 · EIN 87-3599091 | Consulting | $26,887 |
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 15 · EIN 82-4555287 | Recordkeeping | $14,460 |
MOSS ADAMS LLP1 year Service code 10 · EIN 91-0189318 | Accounting | $7,922 |
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 | $53,646 | $64,138-16.4% | $112,244-52.2% | $66,923-19.8% |
| Participation rate | 89.9% | 68.5%+21.5pp | 75.1%+14.9pp | 69.8%+20.1pp |
| Annual return | -14.41% | -13.81%-0.6pp | 27.46%-41.9pp | 1.58%-16.0pp |
| Employer contribution / active EE | $1,600 | $3,006-46.8% | $3,635-56.0% | $2,545-37.1% |
| Participant deferral / active EE | $3,625 | $3,694-1.9% | $4,728-23.3% | $4,237-14.5% |
| Admin fee / account holder | $690 | $625+10.3% | $6,411-89.2% | $593+16.2% |