Filed March 8, 2005
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FREEDOM ONE RETIREMENT SERVICES Service code 13 8031 M 15 · CLARKSTON, MI 48348 | Contract Administrator | $97,692 |
CAPFINANCIAL PARTNERS LLC2+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M 15 · CLARKSTON, MI 48348 | Advisory (Participants) | $80,589 |
Service code 19 · EIN 04-3523567 | Securities Custodian | $6,337 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,409 | $37,044-15.2% | $71,796-56.3% | $57,658-45.5% |
| Participation rate | 60.1% | 61.1%-1.0pp | 69.1%-9.0pp | 70.2%-10.1pp |
| Annual return | 6.37% | 12.64%-6.3pp | 78.04%-71.7pp | 5.13%+1.2pp |
| Employer contribution / active EE | $121 | $720-83.2% | $1,924-93.7% | $1,974-93.9% |
| Participant deferral / active EE | $1,065 | $1,974-46.0% | $2,794-61.9% | $3,061-65.2% |
| Admin fee / account holder | $446 | $101+341.6% | $4,815-90.7% | $95+371.6% |