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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $39,083 |
PLANTE & MORAN, PLLC1 year Filed as: PLANTE MORAN Service code 10 · EIN 38-1357951 | Accounting | $19,500 |
Filed as: FREEDOM ONE RETIREMENT SERVICES Service code 15 · EIN 38-2794855 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $7,473 |
NATIONAL FINANCIAL SERVICES2 years Service code 19 · EIN 04-3523567 | Securities Custodian | $2,804 |
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.
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 | $86,988 | $49,138+77.0% | $84,021+3.5% | $65,185+33.4% |
| Participation rate | 63.6% | 60.7%+2.8pp | 69.0%-5.5pp | 70.2%-6.6pp |
| Annual return | 3.61% | 23.00%-19.4pp | 71.32%-67.7pp | 29.38%-25.8pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,246 | $2,397+35.4% | $3,239+0.2% | $3,514-7.6% |
| Admin fee / account holder | $883 | $543+62.5% | $6,102-85.5% | $847+4.2% |