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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4+ years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $59,149 |
Service code 37 · EIN 04-2647786 | Loan Processing | $35,848 |
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 | $90,753 | $100,801-10.0% | $149,730-39.4% | $73,412+23.6% |
| Participation rate | 90.6% | 77.7%+12.9pp | 82.5%+8.1pp | 72.2%+18.4pp |
| Annual return | 15.41% | 265.34%-249.9pp | 276.70%-261.3pp | 59.30%-43.9pp |
| Employer contribution / active EE | $1,478 | $3,312-55.4% | $4,645-68.2% | $2,234-33.8% |
| Participant deferral / active EE | $5,174 | $6,404-19.2% | $6,843-24.4% | $3,806+36.0% |
| Admin fee / account holder | $329 | $181+81.8% | $9,310-96.5% | $158+108.2% |