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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $38,449 |
Filed as: FREEDOM ONE RETIREMENT SERVICES, LL Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $7,249 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,646 | $54,541+27.7% | $78,778-11.6% | $70,126-0.7% |
| Participation rate | 37.9% | 60.8%-22.9pp | 69.2%-31.3pp | 69.5%-31.6pp |
| Annual return | 17.98% | 21.07%-3.1pp | 35.62%-17.6pp | 73.15%-55.2pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,031 | $2,210+37.2% | $2,958+2.5% | $3,332-9.0% |
| Admin fee / account holder | $718 | $3,709-80.6% | $5,134-86.0% | $4,645-84.6% |