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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $19,413 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $9,213 |
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.)
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 | $43,365 | $51,466-15.7% | $78,778-45.0% | $62,293-30.4% |
| Participation rate | 44.5% | 59.8%-15.2pp | 69.2%-24.6pp | 69.5%-25.0pp |
| Annual return | 9.93% | 19.96%-10.0pp | 35.62%-25.7pp | 28.90%-19.0pp |
| Employer contribution / active EE | $39 | $827-95.3% | $1,986-98.1% | $2,042-98.1% |
| Participant deferral / active EE | $1,487 | $2,147-30.8% | $2,958-49.7% | $3,169-53.1% |
| Admin fee / account holder | $515 | $489+5.2% | $5,134-90.0% | $479+7.4% |