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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC7+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $27,432 |
MILLIMAN, INC.2 years Filed as: MILLIMAN Service code 15 · EIN 91-0675641 | Recordkeeping | $17,682 |
CALIBER AUDIT & ATTEST1 year Service code 10 · EIN 26-2350873 | Accounting | $16,500 |
CHARLES SCHWAB & CO., INC.2 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,445 | $59,267+32.4% | $96,575-18.8% | $79,393-1.2% |
| Participation rate | 53.3% | 61.9%-8.6pp | 69.8%-16.5pp | 70.7%-17.4pp |
| Annual return | 15.19% | 27.08%-11.9pp | 37.79%-22.6pp | 116.87%-101.7pp |
| Employer contribution / active EE | $708 | $1,216-41.8% | $2,357-70.0% | $2,428-70.9% |
| Participant deferral / active EE | $4,284 | $2,947+45.3% | $3,849+11.3% | $4,046+5.9% |
| Admin fee / account holder | $446 | $659-32.2% | $6,182-92.8% | $627-28.7% |