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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $49,210 |
CAPFINANCIAL PARTNERS LLC2 years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $42,026 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,046 | $81,948-46.3% | $90,760-51.5% | $64,819-32.0% |
| Participation rate | 98.0% | 80.5%+17.6pp | 75.7%+22.3pp | 71.5%+26.5pp |
| Annual return | -18.33% | -12.53%-5.8pp | -12.16%-6.2pp | 32.84%-51.2pp |
| Employer contribution / active EE | $2,058 | $3,067-32.9% | $2,922-29.6% | $2,507-17.9% |
| Participant deferral / active EE | $2,855 | $4,844-41.1% | $4,565-37.5% | $4,311-33.8% |
| Admin fee / account holder | $213 | $157+35.7% | $8,444-97.5% | $188+13.5% |