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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $22,964 |
RBC WEALTH MANAGEMENT2 years Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $15,000 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,197 | $60,604-61.7% | $189,597-87.8% | $86,821-73.3% |
| Participation rate | 57.2% | 68.9%-11.7pp | 78.4%-21.3pp | 72.3%-15.1pp |
| Annual return | 11.53% | 65.19%-53.7pp | 64.20%-52.7pp | 97.94%-86.4pp |
| Employer contribution / active EE | $735 | $1,624-54.8% | $4,412-83.4% | $2,406-69.5% |
| Participant deferral / active EE | $2,500 | $3,895-35.8% | $6,174-59.5% | $4,132-39.5% |
| Admin fee / account holder | $176 | $159+11.1% | $9,807-98.2% | $170+4.1% |