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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT3 years Service code 26 · EIN 39-1563018 | Advisory (Participants) | $45,409 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $112,563 | $130,294-13.6% | $170,043-33.8% | $71,511+57.4% |
| Participation rate | 71.1% | 86.2%-15.1pp | 87.0%-15.9pp | 67.9%+3.2pp |
| Annual return | 23.28% | 20.36%+2.9pp | 53.40%-30.1pp | 28.86%-5.6pp |
| Employer contribution / active EE | $3,317 | $4,385-24.4% | $6,790-51.1% | $2,589+28.1% |
| Participant deferral / active EE | $6,236 | $6,928-10.0% | $10,410-40.1% | $4,291+45.3% |
| Admin fee / account holder | $378 | $966-60.9% | $12,824-97.1% | $1,588-76.2% |