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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC8+ years Filed as: CAPTRUST INVESTMENT ADVISORS Service code 26 8031 M-15 · CLARKSTON, MI 48348 | Advisory (Participants) | $31,371 |
MILLIMAN, INC.3 years Filed as: MILLIMAN Service code 15 · EIN 91-0675641 | Recordkeeping | $23,942 |
CALIBER AUDIT & ATTEST2 years Service code 10 · EIN 26-2350873 | Accounting | $13,000 |
CHARLES SCHWAB & CO., INC.3 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 | $61,622 | $42,367+45.4% | $79,580-22.6% | $64,819-4.9% |
| Participation rate | 50.2% | 64.7%-14.5pp | 69.5%-19.3pp | 71.5%-21.3pp |
| Annual return | -18.01% | -12.23%-5.8pp | 0.15%-18.2pp | 32.84%-50.9pp |
| Employer contribution / active EE | $778 | $1,181-34.1% | $2,413-67.8% | $2,507-69.0% |
| Participant deferral / active EE | $4,502 | $3,170+42.0% | $3,985+13.0% | $4,311+4.4% |
| Admin fee / account holder | $427 | $160+167.5% | $6,835-93.8% | $188+127.3% |