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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $16,209 |
RBC WEALTH MANAGEMENT1 year Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $15,000 |
Filed as: PRINICIPAL LIFE INSURANCE COMPANY Service code 13 · EIN 42-0127290 | Contract Administrator | $35 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $26,681 | $56,152-52.5% | $185,861-85.6% | $73,412-63.7% |
| Participation rate | 44.7% | 67.6%-22.9pp | 78.0%-33.3pp | 72.2%-27.5pp |
| Annual return | 12.42% | 17.59%-5.2pp | 35.96%-23.5pp | 59.30%-46.9pp |
| Employer contribution / active EE | $388 | $1,532-74.7% | $4,088-90.5% | $2,234-82.6% |
| Participant deferral / active EE | $1,908 | $3,659-47.9% | $5,634-66.1% | $3,806-49.9% |
| Admin fee / account holder | $205 | $132+55.6% | $9,503-97.8% | $158+30.1% |