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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC1+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $20,395 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $9,475 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,370 | $42,546+11.3% | $71,796-34.0% | $55,167-14.1% |
| Participation rate | 45.1% | 59.1%-14.0pp | 69.1%-24.0pp | 69.0%-23.9pp |
| Annual return | -3.23% | 12.36%-15.6pp | 78.04%-81.3pp | 169.23%-172.5pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,673 | $2,064-19.0% | $2,794-40.1% | $3,054-45.2% |
| Admin fee / account holder | $527 | $650-18.9% | $4,815-89.1% | $504+4.6% |