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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1 year Service code 15 · EIN 95-6817943 | Recordkeeping | $125 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,995 | $51,466-67.0% | $78,778-78.4% | $62,293-72.7% |
| Participation rate | 31.9% | 59.8%-27.8pp | 69.2%-37.2pp | 69.5%-37.6pp |
| Annual return | 15.88% | 19.96%-4.1pp | 35.62%-19.7pp | 28.90%-13.0pp |
| Employer contribution / active EE | $383 | $827-53.7% | $1,986-80.7% | $2,042-81.2% |
| Participant deferral / active EE | $540 | $2,147-74.8% | $2,958-81.7% | $3,169-83.0% |
| Admin fee / account holder | $2 | $489-99.5% | $5,134-100.0% | $479-99.5% |