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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% | $136,007-43.2% | $77,671-0.6% |
| Participation rate | 20.3% | 74.3%-54.0pp | 76.5%-56.2pp | 70.6%-50.3pp |
| Annual return | 17.89% | 17.42%+0.5pp | 579.32%-561.4pp | 31.21%-13.3pp |
| Employer contribution / active EE | $1,082 | $3,491-69.0% | $4,215-74.3% | $2,726-60.3% |
| Participant deferral / active EE | $1,567 | $5,591-72.0% | $7,024-77.7% | $4,648-66.3% |
| Admin fee / account holder | $363 | $539-32.6% | $6,858-94.7% | $430-15.7% |