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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT1 year Service code 26 · EIN 39-1563018 | Advisory (Participants) | $53,341 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $149,639 | $121,341+23.3% | $189,520-21.0% | $79,393+88.5% |
| Participation rate | 75.4% | 86.1%-10.7pp | 87.8%-12.4pp | 70.7%+4.7pp |
| Annual return | 15.79% | 21.08%-5.3pp | 555.25%-539.5pp | 116.87%-101.1pp |
| Employer contribution / active EE | $3,118 | $3,915-20.4% | $6,161-49.4% | $2,428+28.4% |
| Participant deferral / active EE | $5,731 | $6,395-10.4% | $8,220-30.3% | $4,046+41.7% |
| Admin fee / account holder | $541 | $651-17.0% | $12,046-95.5% | $627-13.7% |