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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2 years Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $34,891 |
Service code 37 · EIN 04-2647786 | Loan Processing | $23,836 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,610 | $62,583+27.2% | $76,767+3.7% | $64,173+24.1% |
| Participation rate | 76.3% | 72.8%+3.5pp | 77.0%-0.6pp | 69.6%+6.7pp |
| Annual return | -3.46% | -1.95%-1.5pp | 2.43%-5.9pp | 7.63%-11.1pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,944 | $3,145+120.8% | $3,852+80.3% | $3,470+100.1% |
| Admin fee / account holder | $367 | $4,667-92.1% | $6,675-94.5% | $4,887-92.5% |