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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) | $62,403 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $42,271 |
UHY LLP1+ years Service code 10 · EIN 20-0694403 | Accounting | $24,207 |
NATIONAL FINANCIAL SERVICES1+ years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 19 · EIN 04-3523567 | Securities Custodian | $5,223 |
WILMINGTON TRUST1+ years Filed as: WILMINGTON TRUST RETIREMENT Service code 25 P O BOX 64322 · PHOENIX, AZ 85082 | Directed Trustee | $2,517 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,606 | $27,330+4.7% | $67,704-57.7% | $55,191-48.2% |
| Participation rate | 61.1% | 47.5%+13.6pp | 67.5%-6.4pp | 69.2%-8.1pp |
| Annual return | -4.69% | 8.81%-13.5pp | 25.41%-30.1pp | 10.78%-15.5pp |
| Employer contribution / active EE | $705 | $855-17.5% | $2,559-72.4% | $1,899-62.9% |
| Participant deferral / active EE | $2,840 | $1,709+66.2% | $3,585-20.8% | $3,046-6.8% |
| Admin fee / account holder | $435 | $109+297.9% | $4,255-89.8% | $91+378.9% |