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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC10+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $42,506 |
MILLIMAN, INC.4 years Service code 15 · EIN 91-0675641 | Recordkeeping | $18,526 |
JANZ & KNIGHT4 years Filed as: JANZ AND KNIGHT, PLC Service code 10 · EIN 38-1458667 | Accounting | $14,800 |
CHARLES SCHWAB & CO., INC.5 years Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $64,003 | $64,501-0.8% | $108,753-41.1% | $65,306-2.0% |
| Participation rate | 63.0% | 50.8%+12.2pp | 71.1%-8.1pp | 57.7%+5.3pp |
| Annual return | 4.65% | 21.09%-16.4pp | 37.47%-32.8pp | 21.94%-17.3pp |
| Employer contribution / active EE | $576 | $1,069-46.2% | $2,427-76.3% | $1,967-70.7% |
| Participant deferral / active EE | $3,977 | $2,401+65.6% | $4,115-3.4% | $2,959+34.4% |
| Admin fee / account holder | $491 | $4,971-90.1% | $10,320-95.2% | $3,480-85.9% |