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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC5+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $32,987 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $11,829 |
Service code 10 · EIN 46-1626019 42536 HAYES RD, STE 800 · CLINTON, MI 48038 | Accounting | $9,500 |
NATIONAL FINANCIALS SERVICES2 years Service code 19 · EIN 04-3523567 | Securities Custodian | $2,105 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,078 | $54,573-28.4% | $90,965-57.0% | $73,493-46.8% |
| Participation rate | 61.3% | 61.2%+0.1pp | 69.0%-7.7pp | 70.7%-9.4pp |
| Annual return | -8.80% | 16.69%-25.5pp | 134.57%-143.4pp | 28.51%-37.3pp |
| Employer contribution / active EE | $456 | $991-54.0% | $2,122-78.5% | $2,270-79.9% |
| Participant deferral / active EE | $3,183 | $2,517+26.5% | $3,373-5.6% | $3,740-14.9% |
| Admin fee / account holder | $437 | $521-16.1% | $5,960-92.7% | $513-14.8% |