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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT5 years Service code 27 · EIN 41-1416330 | Advisory (Plan) | $26,984 |
RANDALL & HURLEY, INC.4 years Service code 17 · EIN 91-1661080 | Pension Consulting | $20,187 |
CHARLES SCHWAB & CO., INC.5 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $4,803 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,700 | $80,724-12.4% | $103,333-31.6% | $74,495-5.1% |
| Participation rate | 62.5% | 65.7%-3.2pp | 74.5%-12.0pp | 67.2%-4.7pp |
| Annual return | 18.07% | 27.56%-9.5pp | 24.88%-6.8pp | 1364.94%-1346.9pp |
| Employer contribution / active EE | $2,266 | $3,157-28.2% | $3,868-41.4% | $2,623-13.6% |
| Participant deferral / active EE | $5,136 | $3,860+33.0% | $5,057+1.5% | $4,346+18.2% |
| Admin fee / account holder | $396 | $2,368-83.3% | $8,355-95.3% | $1,942-79.6% |