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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS6 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $17,308 |
EMBARCADERO FINANCIAL GROUP6 years Service code 27 1 EMBARCADERO CTR STE 1540 · SAN FRANCISCO, CA 94111 | Advisory (Plan) | $15,309 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,847 | $29,736-9.7% | $56,033-52.1% | $80,935-66.8% |
| Participation rate | 48.9% | 41.7%+7.2pp | 52.5%-3.6pp | 67.7%-18.8pp |
| Annual return | 12.91% | 35.28%-22.4pp | 1711.38%-1698.5pp | 35.66%-22.7pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,041-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,675 | $1,228+36.4% | $1,954-14.3% | $4,299-61.0% |
| Admin fee / account holder | $257 | $2,434-89.4% | $2,827-90.9% | $6,924-96.3% |