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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL PARTNERS Service code 27 PO BOX 60071 · RALEIGH, NC 27675 | Advisory (Plan) | $54,598 |
T ROWE PRICE RPS INC5+ years Service code 15 100 EAST PRATT STREET · BALTIMORE, MD 21202 | Recordkeeping | $22,507 |
CARR, RIGGS & INGRAM, LLC4 years Filed as: CARR RIGGS & INGRAM Service code 10 2111 DREW STREET · CLEARWATER, FL 33765 | Accounting | $14,000 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Direct payment from the plan; Securit... | $5,684 |
Filed as: CHARLES SCHWAB & CO, INC. Service code 33 | Float revenue; Direct payment from th... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $433,503 | $89,367+385.1% | $141,191+207.0% | $72,975+494.0% |
| Participation rate | 69.6% | 75.1%-5.6pp | 82.5%-12.9pp | 69.5%+0.1pp |
| Annual return | 21.41% | 111.87%-90.5pp | 71.41%-50.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $5,132 | $3,115+64.8% | $4,736+8.4% | $2,440+110.3% |
| Participant deferral / active EE | $3,838 | $5,419-29.2% | $6,710-42.8% | $3,608+6.4% |
| Admin fee / account holder | $1,168 | $5,957-80.4% | $10,264-88.6% | $5,124-77.2% |