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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,200 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $129,482 | $41,151+214.7% | $80,648+60.6% | $71,529+81.0% |
| Participation rate | 68.0% | 50.2%+17.8pp | 67.0%+1.0pp | 67.9%+0.1pp |
| Annual return | 22.08% | 38.49%-16.4pp | 937.21%-915.1pp | 28.97%-6.9pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $2,724-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $4,462 | $2,700+65.2% | $4,443+0.4% | $4,291+4.0% |
| Admin fee / account holder | $21 | $1,842-98.9% | $5,382-99.6% | $1,588-98.7% |