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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC5+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $28,466 |
Filed as: FREEDOM ONE RETIREMENT SERVICES,LLC Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $18,204 |
CALIBER AUDIT & ATTEST1 year Filed as: CALIBER AUDIT & ATTEST, LLP Service code 10 · EIN 26-2350873 | Accounting | $7,950 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,142 | $49,138+30.5% | $84,021-23.7% | $65,185-1.6% |
| Participation rate | 66.5% | 60.7%+5.7pp | 69.0%-2.6pp | 70.2%-3.7pp |
| Annual return | 22.02% | 23.00%-1.0pp | 71.32%-49.3pp | 29.38%-7.4pp |
| Employer contribution / active EE | $318 | $914-65.2% | $1,984-84.0% | $2,177-85.4% |
| Participant deferral / active EE | $4,265 | $2,397+77.9% | $3,239+31.7% | $3,514+21.4% |
| Admin fee / account holder | $464 | $543-14.7% | $6,102-92.4% | $847-45.3% |