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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2+ years Filed as: RBC CAPITAL MARKETS LLC Service code 49 · EIN 41-1416330 | Other Services | $13,409 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $280 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,000 | $80,211-75.1% | $74,184-73.0% | $63,975-68.7% |
| Participation rate | 12.7% | 84.2%-71.5pp | 76.6%-64.0pp | 71.1%-58.5pp |
| Annual return | 15.88% | 14.13%+1.8pp | 17.74%-1.9pp | 48.65%-32.8pp |
| Employer contribution / active EE | $0 | $2,553-100.0% | $2,370-100.0% | $2,182-100.0% |
| Participant deferral / active EE | $265 | $4,370-93.9% | $3,550-92.5% | $3,356-92.1% |
| Admin fee / account holder | $1 | $67-97.9% | $5,586-100.0% | $70-98.0% |