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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT3 years Service code 27 · EIN 41-1416330 | Advisory (Plan) | $47,600 |
Service code 37 · EIN 04-2647786 | Loan Processing | $38,070 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $227,101 | $102,422+121.7% | $147,117+54.4% | $80,959+180.5% |
| Participation rate | 92.6% | 75.9%+16.8pp | 82.2%+10.4pp | 67.7%+25.0pp |
| Annual return | 13.10% | 135.16%-122.1pp | 420.54%-407.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $6,235 | $3,717+67.7% | $4,932+26.4% | $2,757+126.2% |
| Participant deferral / active EE | $10,042 | $6,652+51.0% | $8,065+24.5% | $4,300+133.5% |
| Admin fee / account holder | $664 | $7,953-91.7% | $12,993-94.9% | $6,925-90.4% |