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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4 years Filed as: CAPTRUST Service code 26 · EIN 26-0058143 | Advisory (Participants) | $60,011 |
SENTINEL PENSION ADVISORS4 years Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $16,850 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,312 |
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.
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 | $126,819 | $101,539+24.9% | $147,041-13.8% | $74,400+70.5% |
| Participation rate | 99.1% | 75.5%+23.5pp | 82.2%+16.9pp | 67.2%+31.9pp |
| Annual return | 12.07% | 8740.84%-8728.8pp | 419.21%-407.1pp | 1367.51%-1355.4pp |
| Employer contribution / active EE | $4,619 | $3,811+21.2% | $4,935-6.4% | $2,624+76.0% |
| Participant deferral / active EE | $8,035 | $7,304+10.0% | $8,071-0.4% | $4,348+84.8% |
| Admin fee / account holder | $516 | $1,749-70.5% | $13,006-96.0% | $1,944-73.4% |