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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL PARTNERS, LLC Service code 27 · EIN 26-0058143 | Advisory (Plan) | $92,740 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $53,420 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $23,159 | $54,213-57.3% | $93,696-75.3% | $77,736-70.2% |
| Participation rate | 55.5% | 64.0%-8.5pp | 68.7%-13.2pp | 70.6%-15.1pp |
| Annual return | 13.59% | 30.55%-17.0pp | 133.74%-120.2pp | 31.26%-17.7pp |
| Employer contribution / active EE | $99 | $1,168-91.5% | $2,422-95.9% | $2,728-96.4% |
| Participant deferral / active EE | $1,975 | $3,145-37.2% | $4,417-55.3% | $4,651-57.5% |
| Admin fee / account holder | $188 | $575-67.3% | $8,287-97.7% | $433-56.6% |