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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $34,112 |
RBC WEALTH MANAGEMENT8+ years Filed as: RBC CAPITAL MARKETS CORP Service code 26 · EIN 41-1416330 | Advisory (Participants) | $31,776 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,356 | $74,188-11.9% | $115,756-43.5% | $64,824+0.8% |
| Participation rate | 19.6% | 76.2%-56.6pp | 77.1%-57.4pp | 71.5%-51.8pp |
| Annual return | -18.12% | -11.81%-6.3pp | 143.14%-161.3pp | 32.84%-51.0pp |
| Employer contribution / active EE | $994 | $3,365-70.5% | $3,793-73.8% | $2,507-60.4% |
| Participant deferral / active EE | $1,367 | $5,294-74.2% | $6,254-78.1% | $4,311-68.3% |
| Admin fee / account holder | $335 | $148+125.9% | $8,124-95.9% | $188+78.4% |