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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2 years Filed as: CAPFINANCIAL PARTNERS Service code 27 · EIN 26-0058143 | Advisory (Plan) | $57,697 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $31,241 |
DEBOER & ASSOCIATES, PC9+ years Service code 10 · EIN 47-0836395 | Accounting | $12,500 |
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 | $92,271 | $69,823+32.2% | $76,872+20.0% | $74,460+23.9% |
| Participation rate | 40.9% | 70.0%-29.1pp | 69.6%-28.7pp | 70.7%-29.8pp |
| Annual return | 15.03% | 19.99%-5.0pp | 37.90%-22.9pp | 34.38%-19.3pp |
| Employer contribution / active EE | $429 | $2,148-80.0% | $2,533-83.1% | $2,638-83.7% |
| Participant deferral / active EE | $2,582 | $3,558-27.4% | $3,832-32.6% | $4,530-43.0% |
| Admin fee / account holder | $515 | $398+29.5% | $5,476-90.6% | $348+48.0% |