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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RBC Service code 15 · EIN 41-1416330 | Recordkeeping | $63,039 |
ADP BROKER-DEALER8+ 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,548 | $63,442-7.7% | $68,794-14.9% | $66,930-12.5% |
| Participation rate | 64.9% | 60.0%+4.9pp | 69.0%-4.1pp | 69.8%-4.9pp |
| Annual return | -19.71% | -8.29%-11.4pp | -6.37%-13.3pp | 1.57%-21.3pp |
| Employer contribution / active EE | $197 | $1,775-88.9% | $2,656-92.6% | $2,545-92.3% |
| Participant deferral / active EE | $5,670 | $2,945+92.6% | $3,941+43.9% | $4,238+33.8% |
| Admin fee / account holder | $373 | $577-35.4% | $4,934-92.4% | $593-37.1% |