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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2 years Filed as: RBC CAPITAL MARKETS, LLC Service code 26 | Advisory (Participants) | $15,215 |
Filed as: VOYA RETIRE INS & ANNUITY CO Service code 26 · EIN 71-0294708 | Advisory (Participants) | $1,808 |
RBC WEALTH MANAGEMENT3 years Filed as: RBC CAPITAL MARKETS LLC Service code 26 · EIN 41-1416330 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $46,029 | $86,692-46.9% | $119,634-61.5% | $66,949-31.2% |
| Participation rate | 50.4% | 75.6%-25.2pp | 79.3%-28.9pp | 69.8%-19.5pp |
| Annual return | -14.86% | -8.00%-6.9pp | -14.98%+0.1pp | 1.57%-16.4pp |
| Employer contribution / active EE | $1,053 | $2,536-58.5% | $4,232-75.1% | $2,545-58.6% |
| Participant deferral / active EE | $2,281 | $4,360-47.7% | $5,601-59.3% | $4,239-46.2% |
| Admin fee / account holder | $41 | $755-94.6% | $10,329-99.6% | $594-93.1% |