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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,533 |
RBC WEALTH MANAGEMENT4 years Filed as: RBC CAPITAL MARKETS CORP Service code 26 · EIN 41-1416330 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $43,081 | $49,451-12.9% | $79,580-45.9% | $66,938-35.6% |
| Participation rate | 61.1% | 61.3%-0.2pp | 69.5%-8.3pp | 69.8%-8.7pp |
| Annual return | -15.96% | 84.25%-100.2pp | 0.15%-16.1pp | 1.58%-17.5pp |
| Employer contribution / active EE | $1,118 | $1,266-11.6% | $2,413-53.7% | $2,545-56.1% |
| Participant deferral / active EE | $2,840 | $3,159-10.1% | $3,985-28.7% | $4,238-33.0% |
| Admin fee / account holder | $388 | $595-34.7% | $6,835-94.3% | $594-34.6% |