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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FREEDOM ONE RETIREMENT SERVICES,LLC Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $27,397 |
CAPFINANCIAL PARTNERS LLC4+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $26,949 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,582 | $42,548+16.5% | $74,551-33.5% | $56,289-11.9% |
| Participation rate | 71.1% | 60.5%+10.6pp | 69.1%+1.9pp | 69.9%+1.2pp |
| Annual return | -7.50% | 12.40%-19.9pp | 32.53%-40.0pp | -9.96%+2.5pp |
| Employer contribution / active EE | $409 | $855-52.2% | $1,961-79.1% | $2,111-80.6% |
| Participant deferral / active EE | $4,059 | $2,277+78.3% | $3,108+30.6% | $3,350+21.2% |
| Admin fee / account holder | $436 | $467-6.8% | $5,059-91.4% | $521-16.4% |