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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $45,937 |
Filed as: FREEDOM ONE RETIREMENT SERVICES, LL Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $10,840 |
NATIONAL FINANACIAL SERVICES LLC2+ years Service code 19 · EIN 04-3523567 | Securities Custodian | $4,344 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $53,572 | $42,546+25.9% | $71,796-25.4% | $55,167-2.9% |
| Participation rate | 73.6% | 59.1%+14.5pp | 69.1%+4.5pp | 69.0%+4.6pp |
| Annual return | 7.48% | 12.36%-4.9pp | 78.04%-70.6pp | 169.23%-161.8pp |
| Employer contribution / active EE | $740 | $803-7.9% | $1,924-61.5% | $1,963-62.3% |
| Participant deferral / active EE | $3,778 | $2,064+83.0% | $2,794+35.2% | $3,054+23.7% |
| Admin fee / account holder | $419 | $650-35.5% | $4,815-91.3% | $504-16.9% |