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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2 years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 15 · EIN 26-0058143 | Recordkeeping | $30,180 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $16,842 |
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.)
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 | $40,286 | $49,451-18.5% | $79,580-49.4% | $66,938-39.8% |
| Participation rate | 88.2% | 61.3%+26.9pp | 69.5%+18.7pp | 69.8%+18.4pp |
| Annual return | -14.57% | 84.25%-98.8pp | 0.15%-14.7pp | 1.58%-16.1pp |
| Employer contribution / active EE | $21 | $1,266-98.3% | $2,413-99.1% | $2,545-99.2% |
| Participant deferral / active EE | $3,943 | $3,159+24.8% | $3,985-1.1% | $4,238-7.0% |
| Admin fee / account holder | $305 | $595-48.6% | $6,835-95.5% | $594-48.6% |