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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC7 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M15 · CLARKSTON, MI 48348 | Advisory (Participants) | $49,639 |
MILLIMAN, INC.3 years Service code 15 · EIN 91-0675641 | Recordkeeping | $40,456 |
CHARLES SCHWAB & CO., INC.3 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 | $53,122 | $130,294-59.2% | $170,028-68.8% | $71,495-25.7% |
| Participation rate | 99.0% | 86.2%+12.8pp | 87.0%+12.0pp | 67.9%+31.1pp |
| Annual return | 17.80% | 20.36%-2.6pp | 53.39%-35.6pp | 28.85%-11.1pp |
| Employer contribution / active EE | $3,996 | $4,385-8.9% | $6,788-41.1% | $2,589+54.3% |
| Participant deferral / active EE | $6,359 | $6,928-8.2% | $10,409-38.9% | $4,291+48.2% |
| Admin fee / account holder | $356 | $966-63.1% | $12,820-97.2% | $1,588-77.6% |