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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4 years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $20,172 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $10,996 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $92,425 | $79,209+16.7% | $102,434-9.8% | $74,459+24.1% |
| Participation rate | 30.4% | 74.8%-44.4pp | 76.5%-46.1pp | 67.2%-36.8pp |
| Annual return | 12.07% | 54.98%-42.9pp | 29.46%-17.4pp | 1369.70%-1357.6pp |
| Employer contribution / active EE | $557 | $2,362-76.4% | $3,023-81.6% | $2,626-78.8% |
| Participant deferral / active EE | $2,635 | $4,417-40.4% | $5,055-47.9% | $4,350-39.4% |
| Admin fee / account holder | $346 | $2,002-82.7% | $9,462-96.3% | $1,945-82.2% |