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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC8 years Filed as: FORTEM FINANCIAL Service code 26 · EIN 81-3326710 44801 VILLAGE COURT · WESTLAKE VILLATE, CA 91361 | Advisory (Participants) | $35,516 |
Filed as: WILSHIRE ASSOCIATES Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · WESTLAKE VILLAGE, CA 91361 | Advisory (Participants) | $5,919 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $3,166 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $42,739 | $65,960-35.2% | $81,844-47.8% | $77,736-45.0% |
| Participation rate | 43.4% | 65.8%-22.4pp | 72.4%-29.0pp | 70.6%-27.2pp |
| Annual return | 12.29% | 26.64%-14.4pp | 778.87%-766.6pp | 31.26%-19.0pp |
| Employer contribution / active EE | $246 | $2,375-89.6% | $2,916-91.6% | $2,728-91.0% |
| Participant deferral / active EE | $1,431 | $3,505-59.2% | $4,323-66.9% | $4,651-69.2% |
| Admin fee / account holder | $384 | $526-27.0% | $7,355-94.8% | $433-11.3% |