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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,025 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,252 | $49,451+25.9% | $79,580-21.8% | $66,938-7.0% |
| Participation rate | 40.9% | 61.3%-20.5pp | 69.5%-28.6pp | 69.8%-28.9pp |
| Annual return | -21.80% | 84.25%-106.1pp | 0.15%-22.0pp | 1.58%-23.4pp |
| Employer contribution / active EE | $431 | $1,266-66.0% | $2,413-82.2% | $2,545-83.1% |
| Participant deferral / active EE | $3,458 | $3,159+9.5% | $3,985-13.2% | $4,238-18.4% |
| Admin fee / account holder | $12 | $595-98.0% | $6,835-99.8% | $594-98.0% |