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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2 years Service code 26 · EIN 39-1563018 | Advisory (Participants) | $52,410 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,155 | $102,661-10.2% | $151,639-39.2% | $66,938+37.7% |
| Participation rate | 73.9% | 85.5%-11.6pp | 87.5%-13.6pp | 69.8%+4.1pp |
| Annual return | -20.83% | -10.81%-10.0pp | 3.34%-24.2pp | 1.58%-22.4pp |
| Employer contribution / active EE | $3,205 | $4,184-23.4% | $6,165-48.0% | $2,545+25.9% |
| Participant deferral / active EE | $6,123 | $6,645-7.9% | $8,363-26.8% | $4,238+44.5% |
| Admin fee / account holder | $486 | $630-22.9% | $11,613-95.8% | $594-18.1% |