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| Provider | Service type | Compensation |
|---|---|---|
RBC GLOBAL ASSET MANAGEMENT2 years Filed as: RBC Service code 15 · EIN 41-1416330 | Recordkeeping | $76,225 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $36,030 |
ADP BROKER-DEALER10+ 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.
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 | $57,871 | $89,123-35.1% | $102,460-43.5% | $77,762-25.6% |
| Participation rate | 65.4% | 80.9%-15.5pp | 76.5%-11.1pp | 70.6%-5.2pp |
| Annual return | 13.12% | 25.05%-11.9pp | 29.47%-16.3pp | 31.27%-18.1pp |
| Employer contribution / active EE | $1,824 | $2,700-32.4% | $3,025-39.7% | $2,728-33.1% |
| Participant deferral / active EE | $4,116 | $5,148-20.0% | $5,056-18.6% | $4,651-11.5% |
| Admin fee / account holder | $174 | $236-26.4% | $9,460-98.2% | $433-59.9% |