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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPTRUST FINANCIAL ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $20,349 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $12,885 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $33,847 | $51,466-34.2% | $78,778-57.0% | $62,293-45.7% |
| Participation rate | 16.2% | 59.8%-43.6pp | 69.2%-53.0pp | 69.5%-53.4pp |
| Annual return | 8.88% | 19.96%-11.1pp | 35.62%-26.7pp | 28.90%-20.0pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $435 | $2,147-79.8% | $2,958-85.3% | $3,169-86.3% |
| Admin fee / account holder | $1,188 | $489+142.8% | $5,134-76.9% | $479+147.9% |