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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,338 |
RBC WEALTH MANAGEMENT5 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 | $67,999 | $54,717+24.3% | $86,216-21.1% | $71,511-4.9% |
| Participation rate | 57.7% | 60.1%-2.4pp | 69.0%-11.3pp | 67.9%-10.3pp |
| Annual return | 40.83% | 20.07%+20.8pp | 1169.42%-1128.6pp | 28.86%+12.0pp |
| Employer contribution / active EE | $1,202 | $1,267-5.1% | $2,382-49.5% | $2,589-53.6% |
| Participant deferral / active EE | $3,190 | $3,110+2.6% | $3,986-20.0% | $4,291-25.7% |
| Admin fee / account holder | $489 | $1,922-74.6% | $6,853-92.9% | $1,588-69.2% |