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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT1 year Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $19,180 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,094 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $32,443 | $23,224+39.7% | $71,086-54.4% | $55,725-41.8% |
| Participation rate | 14.6% | 37.9%-23.3pp | 54.7%-40.1pp | 70.9%-56.3pp |
| Annual return | 11.54% | -2.87%+14.4pp | 650.59%-639.0pp | 244.93%-233.4pp |
| Employer contribution / active EE | $0 | $436-100.0% | $1,088-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $446 | $929-52.0% | $1,874-76.2% | $3,356-86.7% |
| Admin fee / account holder | $150 | $118+27.3% | $3,082-95.1% | $115+30.4% |