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| Provider | Service type | Compensation |
|---|---|---|
RBC GLOBAL ASSET MANAGEMENT3 years Filed as: RBC Service code 15 · EIN 41-1416330 | Recordkeeping | $70,515 |
ADP BROKER-DEALER10+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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.)
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 | $108,042 | $54,679+97.6% | $76,119+41.9% | $74,459+45.1% |
| Participation rate | 57.7% | 60.3%-2.6pp | 69.1%-11.4pp | 67.2%-9.5pp |
| Annual return | 18.61% | 31.90%-13.3pp | 361.25%-342.6pp | 1369.70%-1351.1pp |
| Employer contribution / active EE | $173 | $1,781-90.3% | $2,693-93.6% | $2,626-93.4% |
| Participant deferral / active EE | $4,914 | $3,072+59.9% | $4,259+15.4% | $4,350+13.0% |
| Admin fee / account holder | $560 | $2,238-75.0% | $6,421-91.3% | $1,945-71.2% |