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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $38,418 |
PLANTE & MORAN, PLLC2 years Filed as: PLANTE MORAN Service code 10 · EIN 38-1357951 | Accounting | $20,000 |
Filed as: FREEDOM ONE RETIREMENT SERVICES Service code 15 · EIN 38-2794855 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $9,247 |
NATIONAL FINANCIAL SERVICES3 years Service code 19 · EIN 04-3523567 | Securities Custodian | $2,532 |
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 | $74,110 | $54,573+35.8% | $90,970-18.5% | $73,493+0.8% |
| Participation rate | 66.7% | 61.2%+5.5pp | 69.0%-2.3pp | 70.7%-4.0pp |
| Annual return | -10.05% | 16.69%-26.7pp | 134.58%-144.6pp | 28.51%-38.6pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,707 | $2,517+47.3% | $3,373+9.9% | $3,740-0.9% |
| Admin fee / account holder | $912 | $521+74.8% | $5,960-84.7% | $513+77.7% |