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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 | $850 |
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 | $64,193 | $54,213+18.4% | $93,696-31.5% | $77,736-17.4% |
| Participation rate | 27.0% | 64.0%-36.9pp | 68.7%-41.7pp | 70.6%-43.5pp |
| Annual return | 15.24% | 30.55%-15.3pp | 133.74%-118.5pp | 31.26%-16.0pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,422-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,887 | $3,145-40.0% | $4,417-57.3% | $4,651-59.4% |
| Admin fee / account holder | $5 | $575-99.1% | $8,287-99.9% | $433-98.8% |