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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $58,289 |
Service code 15 8031 M-15 · CLARKSTON, MA 48348 | Recordkeeping | $38,717 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $43,805 | $40,174+9.0% | $84,020-47.9% | $67,579-35.2% |
| Participation rate | 53.9% | 62.7%-8.8pp | 69.0%-15.1pp | 71.3%-17.4pp |
| Annual return | 21.38% | 25.82%-4.4pp | 71.31%-49.9pp | 378.56%-357.2pp |
| Employer contribution / active EE | $155 | $808-80.8% | $1,984-92.2% | $2,148-92.8% |
| Participant deferral / active EE | $2,702 | $2,301+17.4% | $3,239-16.6% | $3,539-23.7% |
| Admin fee / account holder | $427 | $128+232.6% | $6,101-93.0% | $142+200.0% |