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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4 years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $44,277 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $5,224 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $139,573 | $59,054+136.3% | $97,260+43.5% | $77,736+79.5% |
| Participation rate | 31.5% | 67.9%-36.4pp | 72.7%-41.2pp | 70.6%-39.1pp |
| Annual return | 11.57% | 16.96%-5.4pp | 75.54%-64.0pp | 31.26%-19.7pp |
| Employer contribution / active EE | $436 | $1,742-75.0% | $2,721-84.0% | $2,728-84.0% |
| Participant deferral / active EE | $2,031 | $3,930-48.3% | $4,262-52.3% | $4,651-56.3% |
| Admin fee / account holder | $361 | $346+4.4% | $5,640-93.6% | $433-16.6% |