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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $42,761 |
RBC WEALTH MANAGEMENT1 year Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $40,307 |
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 | $209,010 | $105,200+98.7% | $159,474+31.1% | $85,847+143.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.60% | 45.08%-32.5pp | 263.68%-251.1pp | 318.61%-306.0pp |
| Employer contribution / active EE | $7,052 | $3,319+112.5% | $4,831+46.0% | $2,565+174.9% |
| Participant deferral / active EE | $12,972 | $5,946+118.2% | $7,353+76.4% | $3,952+228.2% |
| Admin fee / account holder | $687 | $6,934-90.1% | $10,802-93.6% | $6,261-89.0% |