Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC4+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 27 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Plan) | $40,947 |
Filed as: FREEDOM ONE RETIREMENT SERVICES, LL Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $6,755 |
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.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $65,852 | $50,947+29.3% | $74,551-11.7% | $64,173+2.6% |
| Participation rate | 40.4% | 61.1%-20.6pp | 69.1%-28.7pp | 69.6%-29.1pp |
| Annual return | -8.06% | -1.85%-6.2pp | 32.53%-40.6pp | 7.63%-15.7pp |
| Employer contribution / active EE | $9 | $1,115-99.2% | $1,961-99.5% | $2,381-99.6% |
| Participant deferral / active EE | $3,459 | $2,302+50.3% | $3,108+11.3% | $3,470-0.3% |
| Admin fee / account holder | $722 | $4,221-82.9% | $5,059-85.7% | $4,887-85.2% |