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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $90,789 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $33,780 |
NATIONAL FINANCIAL SERVICES4+ years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 19 · EIN 04-3523567 | Securities Custodian | $7,854 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,317 | $65,118+6.4% | $76,768-9.7% | $55,725+24.4% |
| Participation rate | 98.8% | 79.6%+19.2pp | 77.0%+21.9pp | 70.9%+28.0pp |
| Annual return | -6.37% | -1.27%-5.1pp | 2.43%-8.8pp | 244.93%-251.3pp |
| Employer contribution / active EE | $2,017 | $1,941+3.9% | $2,485-18.8% | $2,078-2.9% |
| Participant deferral / active EE | $4,264 | $3,688+15.6% | $3,852+10.7% | $3,356+27.1% |
| Admin fee / account holder | $362 | $116+212.3% | $6,675-94.6% | $115+214.1% |