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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $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.
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).
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 | $31,492 | $39,245-19.8% | $64,105-50.9% | $52,331-39.8% |
| Participation rate | 24.3% | 58.2%-33.9pp | 68.2%-43.8pp | 68.1%-43.8pp |
| Annual return | -0.02% | 14.79%-14.8pp | 791.24%-791.3pp | 4.54%-4.6pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,069 | $1,992-46.3% | $2,822-62.1% | $3,022-64.6% |
| Admin fee / account holder | $2 | $592-99.6% | $4,499-100.0% | $592-99.6% |