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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2 years Filed as: RBC CAPITAL MARKETS CORP Service code 26 · EIN 41-1416330 | Advisory (Participants) | $16,000 |
Filed as: WILSHIRE ASSOC INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $914 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $450 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,169 | $49,471-2.6% | $79,583-39.5% | $66,949-28.1% |
| Participation rate | 41.5% | 61.4%-19.8pp | 69.5%-28.0pp | 69.8%-28.3pp |
| Annual return | -15.21% | 84.30%-99.5pp | 0.16%-15.4pp | 1.57%-16.8pp |
| Employer contribution / active EE | $731 | $1,266-42.3% | $2,414-69.7% | $2,545-71.3% |
| Participant deferral / active EE | $2,850 | $3,160-9.8% | $3,986-28.5% | $4,239-32.8% |
| Admin fee / account holder | $316 | $595-46.9% | $6,835-95.4% | $594-46.8% |