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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC1+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $31,432 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $11,775 |
Filed as: PELLEGRINO, KLOMPSTRA & COMPANY, P. Service code 10 42536 HAYES ROAD · CLINTON TOWNSHIP, MI 48038 | Accounting | $7,500 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,227 | $42,546-26.6% | $71,796-56.5% | $55,167-43.4% |
| Participation rate | 68.9% | 59.1%+9.8pp | 69.1%-0.2pp | 69.0%-0.1pp |
| Annual return | -2.32% | 12.36%-14.7pp | 78.04%-80.4pp | 169.23%-171.6pp |
| Employer contribution / active EE | $475 | $803-40.8% | $1,924-75.3% | $1,963-75.8% |
| Participant deferral / active EE | $2,863 | $2,064+38.7% | $2,794+2.4% | $3,054-6.3% |
| Admin fee / account holder | $458 | $650-29.4% | $4,815-90.5% | $504-9.0% |