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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2 years Service code 27 PO BOX 60071 · RALEIGH, NC 27675 | Advisory (Plan) | $60,683 |
T ROWE PRICE RPS INC8+ years Service code 15 100 EAST PRATT STREET · BALTIMORE, MD 21202 | Recordkeeping | $37,360 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,345 | $82,188+67.1% | $125,391+9.5% | $64,824+111.9% |
| Participation rate | 77.5% | 77.9%-0.4pp | 82.4%-4.9pp | 71.5%+6.0pp |
| Annual return | -19.18% | 3.50%-22.7pp | 572.41%-591.6pp | 32.84%-52.0pp |
| Employer contribution / active EE | $3,300 | $3,617-8.8% | $4,816-31.5% | $2,507+31.6% |
| Participant deferral / active EE | $7,448 | $7,177+3.8% | $7,4480% | $4,311+72.8% |
| Admin fee / account holder | $344 | $163+110.6% | $10,009-96.6% | $188+83.1% |