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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC11+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $40,847 |
MILLIMAN, INC.6 years Filed as: MILLIMAN Service code 15 · EIN 91-0675641 | Recordkeeping | $27,978 |
CALIBER AUDIT & ATTEST5 years Service code 10 · EIN 26-2350873 | Accounting | $14,500 |
CHARLES SCHWAB & CO., INC.6 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 | $83,537 | $56,047+49.0% | $98,716-15.4% | $79,634+4.9% |
| Participation rate | 61.6% | 54.6%+7.0pp | 69.3%-7.7pp | 62.5%-0.9pp |
| Annual return | 15.41% | 17.58%-2.2pp | 31.81%-16.4pp | 36.46%-21.1pp |
| Employer contribution / active EE | $393 | $1,237-68.3% | $2,279-82.8% | $2,529-84.5% |
| Participant deferral / active EE | $4,396 | $2,469+78.0% | $4,048+8.6% | $3,835+14.6% |
| Admin fee / account holder | $421 | $1,512-72.2% | $8,703-95.2% | $1,002-58.0% |