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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.5 years Service code 15 · EIN 23-1945930 | Recordkeeping | $29,667 |
RPA FINANCIAL, LLC3 years Filed as: RPA FINANCIAL LLC Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $18,764 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,142 | $36,707+9.4% | $69,632-42.4% | $77,762-48.4% |
| Participation rate | 42.2% | 64.1%-21.9pp | 66.4%-24.2pp | 70.6%-28.4pp |
| Annual return | 10.57% | 39.03%-28.5pp | 101.32%-90.8pp | 31.27%-20.7pp |
| Employer contribution / active EE | $591 | $1,236-52.2% | $1,708-65.4% | $2,728-78.3% |
| Participant deferral / active EE | $1,608 | $2,710-40.7% | $2,889-44.4% | $4,651-65.4% |
| Admin fee / account holder | $319 | $510-37.5% | $4,695-93.2% | $433-26.4% |