Capital Group Companies, Inc. 401(k) Review & Grade
Capital Retirement Savings Plan
Los Angeles, CAFinance & Insurance7,978 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$26,768Employer $ per active participant
$11,404Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$8.1BNet plan assets, end of year
$664,094Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost25.0 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 100th |
| Employee saving | 80th |
| Peers that auto-enroll | 66% |
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($606 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,920,531 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Capital Group Companies put in about $26,768 per active participant, more than the typical peer ($4,489). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $213,566,193 |
| Participant (employee) contributions | $90,987,254 |
| Other contributions (incl. rollovers in) | $24,179,746 |
| Administrative expenses paid from the plan | $2,225 |
| Benefits paid out | $315,310,198 |
| Net assets, start / end of year | $7.1B / $8.1B |
| Active participants, start / end of year | 7,871 / 8,086 |
| Participants with account balances | 12,268 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche |
Largest service providers (Schedule C)
| Alight Solutions LLC | $28,100 reported compensation |
| Fidelity Investments | $2,225 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260407122345NAL0004976899001, received 2026-04-07, EIN 86-0206507, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.
Get notified when Capital Group Companies's next filing posts
The most generous employers, the worst red flags, and plain-English 401(k) tips. One email a month.