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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL PARTNERS Service code 27 · EIN 26-0058143 | Advisory (Plan) | $59,324 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $28,926 |
DEBOER & ASSOCIATES, PC8+ years Service code 10 · EIN 47-0836395 | Accounting | $8,500 |
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).
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 | $84,505 | $56,503+49.6% | $69,884+20.9% | $64,819+30.4% |
| Participation rate | 44.0% | 70.5%-26.5pp | 70.5%-26.5pp | 71.5%-27.5pp |
| Annual return | -15.46% | -13.44%-2.0pp | 190.81%-206.3pp | 32.84%-48.3pp |
| Employer contribution / active EE | $461 | $2,046-77.5% | $2,560-82.0% | $2,507-81.6% |
| Participant deferral / active EE | $2,780 | $3,389-18.0% | $3,848-27.8% | $4,311-35.5% |
| Admin fee / account holder | $509 | $160+217.6% | $6,266-91.9% | $188+171.1% |