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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPTRUST Service code 26 · EIN 26-0058143 | Advisory (Participants) | $46,241 |
SENTINEL PENSION ADVISORS3 years Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $11,254 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,612 |
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 | $120,945 | $91,439+32.3% | $135,974-11.1% | $71,511+69.1% |
| Participation rate | 98.2% | 75.7%+22.6pp | 81.9%+16.3pp | 67.9%+30.3pp |
| Annual return | 1.33% | 29.90%-28.6pp | 68.30%-67.0pp | 28.86%-27.5pp |
| Employer contribution / active EE | $4,020 | $3,705+8.5% | $4,859-17.3% | $2,589+55.2% |
| Participant deferral / active EE | $7,003 | $7,093-1.3% | $7,760-9.8% | $4,291+63.2% |
| Admin fee / account holder | $416 | $1,267-67.2% | $10,767-96.1% | $1,588-73.8% |