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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC8 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M15 · CLARKSTON, MI 48348 | Advisory (Participants) | $57,361 |
MILLIMAN, INC.4 years Service code 15 · EIN 91-0675641 | Recordkeeping | $40,860 |
MRPR GROUP PC1 year Filed as: MRPR GROUP, PC Service code 10 · EIN 38-2141969 | Accounting | $9,300 |
CHARLES SCHWAB & CO., INC.4 years Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $55,846 | $129,227-56.8% | $184,256-69.7% | $77,762-28.2% |
| Participation rate | 98.8% | 87.4%+11.5pp | 86.8%+12.0pp | 70.6%+28.3pp |
| Annual return | 13.22% | 33.24%-20.0pp | 28.85%-15.6pp | 31.27%-18.1pp |
| Employer contribution / active EE | $3,523 | $4,412-20.2% | $6,427-45.2% | $2,728+29.2% |
| Participant deferral / active EE | $5,872 | $7,307-19.6% | $9,133-35.7% | $4,651+26.3% |
| Admin fee / account holder | $361 | $256+41.1% | $13,899-97.4% | $433-16.7% |