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| Provider | Service type | Compensation |
|---|---|---|
CAPSTONE WEALTH ADVISORS1 year Filed as: CAPSTONE WEALTH ADVISORS, LLC Service code 15 · EIN 46-0971736 | Recordkeeping | $16,698 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,122 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $22,501 | $101,672-77.9% | $147,117-84.7% | $74,478-69.8% |
| Participation rate | 73.7% | 75.5%-1.8pp | 82.2%-8.5pp | 67.2%+6.5pp |
| Annual return | 23.68% | 8757.83%-8734.2pp | 420.54%-396.9pp | 1370.56%-1346.9pp |
| Employer contribution / active EE | $945 | $3,813-75.2% | $4,932-80.8% | $2,626-64.0% |
| Participant deferral / active EE | $5,270 | $7,305-27.9% | $8,065-34.7% | $4,350+21.1% |
| Admin fee / account holder | $99 | $1,753-94.4% | $12,993-99.2% | $1,946-94.9% |