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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT2 years Service code 15 · EIN 41-1416330 | Recordkeeping | $15,010 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,125 |
ADP BROKER-DEALER6+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $57,061 | $73,638-22.5% | $95,964-40.5% | $73,497-22.4% |
| Participation rate | 59.6% | 76.2%-16.6pp | 77.1%-17.5pp | 70.7%-11.1pp |
| Annual return | 12.52% | 16.78%-4.3pp | 91.64%-79.1pp | 28.51%-16.0pp |
| Employer contribution / active EE | $648 | $1,863-65.2% | $2,541-74.5% | $2,270-71.5% |
| Participant deferral / active EE | $1,777 | $3,617-50.9% | $4,167-57.3% | $3,740-52.5% |
| Admin fee / account holder | $150 | $482-68.9% | $6,797-97.8% | $513-70.8% |