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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC1+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $0 |
Filed as: FREEDOM ONE RETIREMENT SERVICES LL Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $0 |
PNC BANK, N.A.1+ years Service code 25 | Directed Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $24,543 | $33,745-27.3% | $64,105-61.7% | $55,191-55.5% |
| Participation rate | 11.9% | 59.4%-47.5pp | 68.2%-56.3pp | 69.2%-57.3pp |
| Annual return | -1.66% | 4.95%-6.6pp | 791.24%-792.9pp | 10.78%-12.4pp |
| Employer contribution / active EE | $146 | $641-77.2% | $1,820-92.0% | $1,899-92.3% |
| Participant deferral / active EE | $275 | $1,929-85.7% | $2,822-90.2% | $3,046-91.0% |
| Admin fee / account holder | $326 | $94+245.5% | $4,499-92.8% | $91+259.1% |