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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT4 years Service code 26 · EIN 41-1416330 | Advisory (Participants) | $27,916 |
NWPS3 years Service code 15 · EIN 91-2090931 | Recordkeeping | $5,024 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,843 | $72,303-39.4% | $86,698-49.4% | $64,819-32.4% |
| Participation rate | 50.8% | 80.4%-29.6pp | 76.6%-25.8pp | 71.5%-20.7pp |
| Annual return | -18.38% | 392.77%-411.2pp | 35.95%-54.3pp | 32.84%-51.2pp |
| Employer contribution / active EE | $858 | $2,393-64.1% | $2,837-69.7% | $2,507-65.8% |
| Participant deferral / active EE | $2,325 | $4,660-50.1% | $4,656-50.1% | $4,311-46.1% |
| Admin fee / account holder | $106 | $174-39.1% | $7,493-98.6% | $188-43.6% |