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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPTRUST Service code 27 · EIN 26-0058143 | Advisory (Plan) | $40,633 |
SENTINEL PENSION ADVISORS3 years Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $24,397 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 82-3967259 | Securities Custodian | $10,534 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $158,604 | $80,731+96.5% | $103,378+53.4% | $74,400+113.2% |
| Participation rate | 100.0% | 65.7%+34.3pp | 74.5%+25.5pp | 67.2%+32.8pp |
| Annual return | 16.04% | 27.56%-11.5pp | 24.91%-8.9pp | 1367.51%-1351.5pp |
| Employer contribution / active EE | $13,171 | $3,159+316.9% | $3,870+240.3% | $2,624+401.9% |
| Participant deferral / active EE | $14,236 | $3,862+268.7% | $5,058+181.5% | $4,348+227.4% |
| Admin fee / account holder | $307 | $2,369-87.0% | $8,401-96.3% | $1,944-84.2% |