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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC6 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $68,124 |
MILLIMAN, INC.2 years Service code 15 · EIN 91-0675641 | Recordkeeping | $57,054 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO., INC Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
CHARLES SCHWAB & CO., INC.3 years Service code 19 | Securities Custodian | $0 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,058 | $42,367+18.2% | $79,576-37.1% | $64,814-22.8% |
| Participation rate | 52.0% | 64.7%-12.7pp | 69.5%-17.5pp | 71.5%-19.4pp |
| Annual return | -14.23% | -12.23%-2.0pp | 0.15%-14.4pp | 32.84%-47.1pp |
| Employer contribution / active EE | $121 | $1,181-89.7% | $2,413-95.0% | $2,507-95.2% |
| Participant deferral / active EE | $3,578 | $3,170+12.9% | $3,985-10.2% | $4,310-17.0% |
| Admin fee / account holder | $472 | $160+196.0% | $6,834-93.1% | $188+151.5% |