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| Provider | Service type | Compensation |
|---|---|---|
TIAA4 years Service code 15 · EIN 13-1624203 | Recordkeeping | $434,308 |
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 28 · EIN 26-0058143 | Investment Management | $33,301 |
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.)
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 | $60,965 | $50,151+21.6% | $149,696-59.3% | $80,157-23.9% |
| Participation rate | 45.6% | 64.3%-18.6pp | 78.8%-33.1pp | 72.9%-27.3pp |
| Annual return | 13.94% | 29.80%-15.9pp | 134.46%-120.5pp | 40.39%-26.4pp |
| Employer contribution / active EE | $374 | $1,867-80.0% | $4,821-92.2% | $2,977-87.4% |
| Participant deferral / active EE | $2,472 | $3,194-22.6% | $5,682-56.5% | $5,015-50.7% |
| Admin fee / account holder | $421 | $153+175.9% | $13,212-96.8% | $145+190.6% |