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| Provider | Service type | Compensation |
|---|---|---|
PINNACLE PLAN DESIGN, LLC3 years Service code 12 · EIN 20-3970947 | Claims processing; Plan Administrator... | $65,160 |
RBC WEALTH MANAGEMENT4 years Filed as: RBC CAPITAL MARKETS CORP Service code 26 · EIN 41-1416330 | Advisory (Participants) | $46,608 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,059 | $54,193-59.3% | $93,606-76.4% | $77,643-71.6% |
| Participation rate | 90.1% | 63.9%+26.2pp | 68.7%+21.4pp | 70.6%+19.5pp |
| Annual return | 13.41% | 30.54%-17.1pp | 133.20%-119.8pp | 31.24%-17.8pp |
| Employer contribution / active EE | $703 | $1,168-39.8% | $2,420-71.0% | $2,726-74.2% |
| Participant deferral / active EE | $4,752 | $3,144+51.2% | $4,411+7.7% | $4,647+2.3% |
| Admin fee / account holder | $329 | $576-42.8% | $8,285-96.0% | $430-23.6% |