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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPTRUST FINANCIAL ADVISORS Service code 27 · EIN 26-0058143 | Advisory (Plan) | $19,875 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $16,894 |
Filed as: REA & ASSOCIATES, INC. Service code 14 · EIN 34-1310124 | Plan Administrator | $13,892 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $44,597 | $51,226-12.9% | $82,744-46.1% | $66,938-33.4% |
| Participation rate | 61.9% | 67.9%-6.0pp | 72.6%-10.7pp | 69.8%-7.9pp |
| Annual return | -11.76% | -9.61%-2.2pp | 702.22%-714.0pp | 1.58%-13.3pp |
| Employer contribution / active EE | $2,312 | $2,612-11.5% | $3,008-23.1% | $2,545-9.2% |
| Participant deferral / active EE | $4,497 | $3,460+30.0% | $4,395+2.3% | $4,238+6.1% |
| Admin fee / account holder | $329 | $416-20.8% | $5,325-93.8% | $594-44.6% |