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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $39,081 |
Filed as: FREEDOM ONE RETIREMENT SERVICES Service code 15 · EIN 38-2794855 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $4,230 |
Service code 19 · EIN 04-3523567 | Securities Custodian | $2,601 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,031 | $42,548+114.0% | $74,549+22.1% | $56,287+61.7% |
| Participation rate | 61.3% | 60.5%+0.8pp | 69.1%-7.9pp | 69.9%-8.6pp |
| Annual return | 10.15% | 12.40%-2.2pp | 32.53%-22.4pp | -9.96%+20.1pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,555 | $2,277+56.1% | $3,108+14.4% | $3,350+6.1% |
| Admin fee / account holder | $629 | $467+34.6% | $5,059-87.6% | $521+20.7% |