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| Provider | Service type | Compensation |
|---|---|---|
CAPSTONE WEALTH ADVISORS1 year Service code 26 2005 MADRONA AVE SE · SALEM, OR 97302 | Advisory (Participants) | $7,547 |
PAYCHEX, INC.1 year Filed as: PAYCHEX, INC Service code 15 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $5,177 |
Annual investment return 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,153 | $84,499-86.8% | $125,391-91.1% | $66,949-83.3% |
| Participation rate | 72.8% | 76.4%-3.6pp | 82.4%-9.6pp | 69.8%+3.0pp |
| Annual return | -21.55% | -8.49%-13.1pp | 572.41%-594.0pp | 1.57%-23.1pp |
| Employer contribution / active EE | $1,110 | $3,554-68.8% | $4,816-76.9% | $2,545-56.4% |
| Participant deferral / active EE | $4,521 | $6,785-33.4% | $7,448-39.3% | $4,239+6.6% |
| Admin fee / account holder | $73 | $685-89.4% | $10,009-99.3% | $594-87.8% |