Filed November 29, 2005
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA Service code 15 · EIN 13-3689044 | Recordkeeping | $77,567 |
RBC WEALTH MANAGEMENT2 years Filed as: RBC CAPITAL MARKETS LLC 41-1416330 Service code 22 | Insurance Broker | $37,835 |
Service code 27 · EIN 36-3429599 | Advisory (Plan) | $10,491 |
Service code 15 · EIN 39-1967492 | Recordkeeping | $6,152 |
RBC WEALTH MANAGEMENT2 years Filed as: RBC CAPITAL MARKETS LLC Service code 22 · EIN 41-1416330 | Insurance Broker | $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 | $75,436 | $94,833-20.5% | $75,731-0.4% | $86,821-13.1% |
| Participation rate | 43.6% | 79.1%-35.5pp | 74.8%-31.2pp | 72.3%-28.7pp |
| Annual return | 36.07% | 16.91%+19.2pp | 104.65%-68.6pp | 97.94%-61.9pp |
| Employer contribution / active EE | $451 | $2,904-84.5% | $2,743-83.5% | $2,406-81.2% |
| Participant deferral / active EE | $1,883 | $3,632-48.1% | $3,820-50.7% | $4,132-54.4% |
| Admin fee / account holder | $307 | $109+182.4% | $3,620-91.5% | $170+80.9% |