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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $49,599 |
Filed as: RAYMOND JAMES AND ASSOC INC. Service code 26 · EIN 59-1237041 | Advisory (Participants) | $38,086 |
RBC WEALTH MANAGEMENT10+ years Filed as: RBC CAPITAL MARKETS CORP Service code 26 · EIN 41-1416330 | Advisory (Participants) | $11,542 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,189 | $89,588-13.8% | $133,698-42.3% | $77,762-0.7% |
| Participation rate | 20.3% | 74.3%-54.0pp | 76.4%-56.1pp | 70.6%-50.3pp |
| Annual return | 17.89% | 17.42%+0.5pp | 580.90%-563.0pp | 31.27%-13.4pp |
| Employer contribution / active EE | $1,082 | $3,491-69.0% | $4,218-74.3% | $2,728-60.3% |
| Participant deferral / active EE | $1,567 | $5,592-72.0% | $7,016-77.7% | $4,651-66.3% |
| Admin fee / account holder | $363 | $539-32.6% | $6,703-94.6% | $433-16.1% |