Filed December 9, 2025
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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT3 years Filed as: RBC WEALTH MGMT A DIV OF RBC CAP Service code 27 · EIN 41-1416330 | Advisory (Plan) | $38,495 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,588 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $182,904 | $58,895+210.6% | $178,503+2.5% | $73,497+148.9% |
| Participation rate | 99.2% | 66.2%+32.9pp | 81.9%+17.2pp | 70.7%+28.5pp |
| Annual return | 14.82% | 24.86%-10.0pp | 151.12%-136.3pp | 28.51%-13.7pp |
| Employer contribution / active EE | $7,038 | $2,236+214.8% | $5,011+40.4% | $2,270+210.0% |
| Participant deferral / active EE | $5,155 | $2,567+100.8% | $5,202-0.9% | $3,740+37.8% |
| Admin fee / account holder | $415 | $400+3.8% | $13,987-97.0% | $513-19.0% |