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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 6400 C STREET SW · CEDAR RAPIDS, IA 52499 | Account maintenance fees; Shareholder... | $41,186 |
RBC WEALTH MANAGEMENT9 years Service code 16 | Consulting | $29,765 |
NATIONAL FINANCIAL SERVICES9 years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
RBC WEALTH MANAGEMENT5 years Filed as: RBC CAPITAL MARKETS, LLC Service code 16 60 S 6TH STREET · MINNEAPOLIS, MN 55402 | Consulting | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,765 | $77,472+24.9% | $100,415-3.6% | $80,959+19.5% |
| Participation rate | 0.0% | 76.9%-76.9pp | 81.5%-81.5pp | 67.7%-67.7pp |
| Annual return | 15.01% | 37.26%-22.3pp | 49.47%-34.5pp | 35.67%-20.7pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,547 | $6,818-77.3% | $8,091-80.9% | $4,300-64.0% |
| Admin fee / account holder | $349 | $5,885-94.1% | $7,906-95.6% | $6,925-95.0% |