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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RBC USA HOLDCO CORPORATION RBC CAPI Service code 27 181 WASHINGTON ST · CONSHOHOCKEN, PA 19428 | Advisory (Plan) | $35,210 |
FHH LOS ANGELES LLP2 years Service code 99 9301 OAKDALE AVE #230 · CHATSWORTH, CA 91311 | Other Fees | $14,000 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,910 |
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.)
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 | $124,410 | $59,467+109.2% | $93,727+32.7% | $74,478+67.0% |
| Participation rate | 69.2% | 59.6%+9.6pp | 68.7%+0.5pp | 67.2%+2.0pp |
| Annual return | 12.72% | 82.14%-69.4pp | 133.83%-121.1pp | 1370.56%-1357.8pp |
| Employer contribution / active EE | $3,613 | $1,267+185.3% | $2,421+49.2% | $2,626+37.6% |
| Participant deferral / active EE | $6,543 | $3,052+114.4% | $4,417+48.1% | $4,350+50.4% |
| Admin fee / account holder | $434 | $3,028-85.7% | $8,292-94.8% | $1,946-77.7% |