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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC6+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $30,538 |
MILLIMAN, INC.1 year Filed as: MILLIMAN Service code 15 · EIN 42-1558009 | Recordkeeping | $22,114 |
Filed as: FREEDOM ONE RETIREMENT SERVICES Service code 15 8031 M-15 · CLARKSTON, MI 48348 | Recordkeeping | $10,032 |
Service code 19 | 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $62,774 | $54,573+15.0% | $90,970-31.0% | $73,497-14.6% |
| Participation rate | 58.4% | 61.2%-2.8pp | 69.0%-10.6pp | 70.7%-12.3pp |
| Annual return | 16.08% | 16.69%-0.6pp | 134.60%-118.5pp | 28.51%-12.4pp |
| Employer contribution / active EE | $421 | $991-57.5% | $2,122-80.2% | $2,270-81.5% |
| Participant deferral / active EE | $3,334 | $2,517+32.5% | $3,373-1.2% | $3,740-10.9% |
| Admin fee / account holder | $452 | $521-13.3% | $5,961-92.4% | $513-11.9% |