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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2+ years Service code 33 · EIN 41-1416330 | Securities brokerage; Securities brok... | $32,182 |
Filed as: TOTAL BENEFITS Service code 15 7595 N DEL MAR AVE #101 · FRESNO, CA 93711 | Recordkeeping | $1,150 |
Filed as: SPECTRUM Service code 15 · EIN 91-1035498 | Recordkeeping | $1,050 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,757 | $53,925-57.8% | $75,501-69.9% | $69,631-67.3% |
| Participation rate | 17.2% | 71.2%-54.0pp | 72.4%-55.1pp | 70.7%-53.5pp |
| Annual return | 12.73% | 17.84%-5.1pp | 27.35%-14.6pp | 27571.02%-27558.3pp |
| Employer contribution / active EE | $169 | $1,802-90.6% | $2,352-92.8% | $2,032-91.7% |
| Participant deferral / active EE | $400 | $2,569-84.4% | $3,142-87.3% | $3,224-87.6% |
| Admin fee / account holder | $228 | $97+134.5% | $5,801-96.1% | $110+106.2% |