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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC10+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $37,841 |
MILLIMAN, INC.5 years Filed as: MILLIMAN Service code 15 · EIN 91-0675641 | Recordkeeping | $29,718 |
CALIBER AUDIT & ATTEST4 years Service code 10 · EIN 26-2350873 | Accounting | $14,000 |
CHARLES SCHWAB & CO., INC.5 years Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
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.)
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 | $81,777 | $54,245+50.8% | $93,727-12.7% | $77,762+5.2% |
| Participation rate | 52.2% | 63.9%-11.8pp | 68.7%-16.5pp | 70.6%-18.4pp |
| Annual return | 14.02% | 30.58%-16.6pp | 133.83%-119.8pp | 31.27%-17.3pp |
| Employer contribution / active EE | $362 | $1,168-69.0% | $2,421-85.0% | $2,728-86.7% |
| Participant deferral / active EE | $3,941 | $3,144+25.4% | $4,417-10.8% | $4,651-15.3% |
| Admin fee / account holder | $471 | $575-18.1% | $8,292-94.3% | $433+8.9% |