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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT1 year Service code 27 · EIN 41-1416330 60 SOUTH 6TH STREET · MINNEAPOLIS, MN 55402 | Advisory (Plan) | $5,946 |
Service code 28 · EIN 82-0277386 877 W MAIN STREET, SUITE 602 · BOISE, ID 83702 | Investment Management | $5,323 |
Service code 15 · EIN 82-0433443 3101 W MAIN STREET, SUITE 100 · BOISE, ID 83702 | Recordkeeping | $2,829 |
Filed as: CHARLES SCHWAB & CO, INC Service code 27 · EIN 94-1737782 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Advisory (Plan) | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,180 | $49,138+30.6% | $84,023-23.6% | $65,186-1.5% |
| Participation rate | 21.5% | 60.7%-39.3pp | 69.0%-47.5pp | 70.2%-48.7pp |
| Annual return | 24.23% | 23.00%+1.2pp | 71.32%-47.1pp | 29.39%-5.2pp |
| Employer contribution / active EE | $439 | $914-51.9% | $1,984-77.9% | $2,177-79.8% |
| Participant deferral / active EE | $546 | $2,397-77.2% | $3,239-83.1% | $3,514-84.5% |
| Admin fee / account holder | $539 | $543-0.8% | $6,102-91.2% | $847-36.4% |