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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $34,506 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $10,348 |
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 | $38,038 | $51,466-26.1% | $78,778-51.7% | $62,293-38.9% |
| Participation rate | 63.3% | 59.8%+3.5pp | 69.2%-5.9pp | 69.5%-6.2pp |
| Annual return | 10.61% | 19.96%-9.3pp | 35.62%-25.0pp | 28.90%-18.3pp |
| Employer contribution / active EE | $416 | $827-49.8% | $1,986-79.1% | $2,042-79.6% |
| Participant deferral / active EE | $2,677 | $2,147+24.6% | $2,958-9.5% | $3,169-15.5% |
| Admin fee / account holder | $484 | $489-1.0% | $5,134-90.6% | $479+1.0% |