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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC5 years Filed as: CAPTRUST Service code 26 · EIN 26-0058143 | Advisory (Participants) | $49,066 |
SENTINEL PENSION ADVISORS5 years Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $20,526 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,353 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $147,180 | $107,421+37.0% | $182,262-19.2% | $94,015+56.5% |
| Participation rate | 94.7% | 77.8%+17.0pp | 84.2%+10.5pp | 70.8%+23.9pp |
| Annual return | 13.27% | 21.32%-8.0pp | 140.60%-127.3pp | 17.84%-4.6pp |
| Employer contribution / active EE | $4,870 | $3,448+41.3% | $5,046-3.5% | $2,790+74.5% |
| Participant deferral / active EE | $8,376 | $6,558+27.7% | $8,276+1.2% | $4,249+97.1% |
| Admin fee / account holder | $585 | $8,692-93.3% | $16,712-96.5% | $8,951-93.5% |