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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT6 years Service code 27 · EIN 41-1416330 | Advisory (Plan) | $28,874 |
CLIFTONLARSONALLEN LLP5 years Service code 10 · EIN 41-0746749 | Accounting | $22,375 |
Filed as: NORTHWEST PLAN SERVICES Service code 64 · EIN 91-2090931 | Recordkeeping Fees | $21,635 |
MATRIX TRUST COMPANY3 years Filed as: MATRIX TRUST Service code 19 · EIN 75-3182674 | Securities Custodian | $5,722 |
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 | $53,535 | $76,696-30.2% | $96,515-44.5% | $71,511-25.1% |
| Participation rate | 87.0% | 66.6%+20.4pp | 74.3%+12.6pp | 67.9%+19.0pp |
| Annual return | 14.52% | 48.32%-33.8pp | 35.73%-21.2pp | 28.86%-14.3pp |
| Employer contribution / active EE | $2,147 | $3,032-29.2% | $3,740-42.6% | $2,589-17.1% |
| Participant deferral / active EE | $4,400 | $3,770+16.7% | $4,880-9.8% | $4,291+2.5% |
| Admin fee / account holder | $386 | $2,030-81.0% | $6,735-94.3% | $1,588-75.7% |