| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL PARTNERS, LLC Service code 27 · EIN 26-0058143 | Advisory (Plan) | $25,000 |
ARMANINO LLP3 years Service code 10 · EIN 94-6214841 | Accounting | $15,750 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $3,507 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,243 | $125,814-36.2% | $170,055-52.8% | $75,184+6.7% |
| Participation rate | 73.1% | 83.6%-10.5pp | 87.0%-13.9pp | 67.2%+5.9pp |
| Annual return | 13.40% | 27.20%-13.8pp | 53.43%-40.0pp | 160.78%-147.4pp |
| Employer contribution / active EE | $0 | $4,617-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $0 | $6,839-100.0% | $10,410-100.0% | $4,127-100.0% |
| Admin fee / account holder | $385 | $8,177-95.3% | $12,828-97.0% | $5,652-93.2% |