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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2+ years Filed as: RBC CAPITAL MARKETS CORP Service code 55 · EIN 41-1416330 | Other Commissions | $14,497 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $1,750 |
RELIANCE TRUST COMPANY2+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $282 |
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381 | Other Services | $16 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $75,902 | $48,364+56.9% | $71,796+5.7% | $62,881+20.7% |
| Participation rate | 87.1% | 60.6%+26.4pp | 69.1%+17.9pp | 69.3%+17.8pp |
| Annual return | 6.14% | 13.16%-7.0pp | 78.04%-71.9pp | 20.14%-14.0pp |
| Employer contribution / active EE | $1,232 | $1,042+18.2% | $1,924-36.0% | $2,281-46.0% |
| Participant deferral / active EE | $3,678 | $2,091+75.9% | $2,794+31.6% | $3,203+14.8% |
| Admin fee / account holder | $17 | $3,771-99.5% | $4,815-99.6% | $4,296-99.6% |