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| Provider | Service type | Compensation |
|---|---|---|
MILLIMAN, INC.4 years Service code 15 · EIN 91-0675641 | Recordkeeping | $46,429 |
CAPFINANCIAL PARTNERS LLC10+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M15 · CLARKSTON, MI 48348 | Advisory (Participants) | $38,185 |
CHARLES SCHWAB & CO., INC.4 years Service code 19 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $27,369 | $79,209-65.4% | $102,434-73.3% | $74,459-63.2% |
| Participation rate | 95.4% | 74.8%+20.7pp | 76.5%+18.9pp | 67.2%+28.2pp |
| Annual return | 11.59% | 54.98%-43.4pp | 29.46%-17.9pp | 1369.70%-1358.1pp |
| Employer contribution / active EE | $817 | $2,362-65.4% | $3,023-73.0% | $2,626-68.9% |
| Participant deferral / active EE | $3,223 | $4,417-27.0% | $5,055-36.2% | $4,350-25.9% |
| Admin fee / account holder | $301 | $2,002-85.0% | $9,462-96.8% | $1,945-84.5% |