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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC8+ years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $59,309 |
Service code 37 · EIN 04-2647786 | Loan Processing | $28,257 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $71,377 | $106,247-32.8% | $147,096-51.5% | $77,714-8.2% |
| Participation rate | 92.5% | 78.4%+14.2pp | 82.2%+10.4pp | 70.6%+22.0pp |
| Annual return | 11.08% | 56.87%-45.8pp | 419.75%-408.7pp | 31.26%-20.2pp |
| Employer contribution / active EE | $1,586 | $4,069-61.0% | $4,936-67.9% | $2,727-41.9% |
| Participant deferral / active EE | $5,728 | $7,996-28.4% | $8,071-29.0% | $4,649+23.2% |
| Admin fee / account holder | $254 | $338-25.0% | $13,005-98.0% | $433-41.4% |