Filed April 1, 2008 (most recent of 2 filings on file)
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC3+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $37,495 |
Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $12,800 |
Service code 19 · EIN 04-3523567 | Securities Custodian | $1,603 |
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 | $32,348 | $63,314-48.9% | $91,004-64.5% | $62,293-48.1% |
| Participation rate | 99.2% | 73.3%+25.9pp | 75.6%+23.6pp | 69.5%+29.7pp |
| Annual return | 13.23% | 21.00%-7.8pp | 4.60%+8.6pp | 28.90%-15.7pp |
| Employer contribution / active EE | $2,996 | $1,807+65.8% | $2,456+22.0% | $2,042+46.7% |
| Participant deferral / active EE | $1,524 | $2,944-48.2% | $3,548-57.0% | $3,169-51.9% |
| Admin fee / account holder | $337 | $468-27.9% | $5,417-93.8% | $479-29.7% |