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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL SECURITIES LLC Service code 27 · EIN 26-0058143 | Advisory (Plan) | $50,468 |
Service code 37 · EIN 04-2647786 | Loan Processing | $39,006 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,502 | $73,102+3.3% | $123,552-38.9% | $56,287+34.1% |
| Participation rate | 94.9% | 74.3%+20.6pp | 82.3%+12.6pp | 69.9%+25.1pp |
| Annual return | -4.45% | 3.01%-7.5pp | 119.20%-123.7pp | -9.96%+5.5pp |
| Employer contribution / active EE | $1,485 | $2,977-50.1% | $4,628-67.9% | $2,111-29.7% |
| Participant deferral / active EE | $5,334 | $5,423-1.6% | $6,426-17.0% | $3,350+59.2% |
| Admin fee / account holder | $351 | $554-36.6% | $9,285-96.2% | $521-32.6% |