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| Provider | Service type | Compensation |
|---|---|---|
RBC GLOBAL ASSET MANAGEMENT2 years Filed as: RBC Service code 15 · EIN 41-1416330 | Recordkeeping | $60,351 |
ADP BROKER-DEALER9+ 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 | $89,882 | $51,083+76.0% | $70,548+27.4% | $71,495+25.7% |
| Participation rate | 55.8% | 59.4%-3.6pp | 68.3%-12.6pp | 67.9%-12.2pp |
| Annual return | 18.42% | 42.64%-24.2pp | 32.78%-14.4pp | 28.85%-10.4pp |
| Employer contribution / active EE | $156 | $1,791-91.3% | $2,975-94.7% | $2,589-94.0% |
| Participant deferral / active EE | $4,747 | $3,028+56.8% | $4,567+3.9% | $4,291+10.6% |
| Admin fee / account holder | $468 | $1,995-76.6% | $6,424-92.7% | $1,588-70.5% |